The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,800
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,634
−HK$847/mo
Today · 4.125%
HK$28,481
baseline
▲ 0.50% · 4.625%
HK$30,214
+HK$1,733/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,962/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,815
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,614
−HK$812/mo
Today · 4.125%
HK$31,426
baseline
▲ 0.50% · 4.625%
HK$33,082
+HK$1,656/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,852/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,160
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,160
−HK$1,017/mo
Today · 4.125%
HK$34,177
baseline
▲ 0.50% · 4.625%
HK$36,256
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,354/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,778
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,737
−HK$974/mo
Today · 4.125%
HK$37,711
baseline
▲ 0.50% · 4.625%
HK$39,698
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,422/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,520
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,687
−HK$1,186/mo
Today · 4.125%
HK$39,873
baseline
▲ 0.50% · 4.625%
HK$42,299
+HK$2,426/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,746/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,741
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,860
−HK$1,136/mo
Today · 4.125%
HK$43,996
baseline
▲ 0.50% · 4.625%
HK$46,315
+HK$2,319/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$87,992/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,240
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,741
−HK$1,524/mo
Today · 4.125%
HK$51,265
baseline
▲ 0.50% · 4.625%
HK$54,384
+HK$3,119/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,530/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,667
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,106
−HK$1,460/mo
Today · 4.125%
HK$56,566
baseline
▲ 0.50% · 4.625%
HK$59,548
+HK$2,982/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,132/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,741 · Scale 2, in force from 26 Feb 2026)