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$26,815
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,650
−HK$847/mo
Today · 4.125%
HK$28,497
baseline
▲ 0.50% · 4.625%
HK$30,231
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,994/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,832
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,632
−HK$812/mo
Today · 4.125%
HK$31,444
baseline
▲ 0.50% · 4.625%
HK$33,101
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,888/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,179
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,179
−HK$1,017/mo
Today · 4.125%
HK$34,196
baseline
▲ 0.50% · 4.625%
HK$36,277
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$68,392/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,798
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,758
−HK$974/mo
Today · 4.125%
HK$37,732
baseline
▲ 0.50% · 4.625%
HK$39,721
+HK$1,989/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$75,464/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,542
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,709
−HK$1,187/mo
Today · 4.125%
HK$39,896
baseline
▲ 0.50% · 4.625%
HK$42,323
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,792/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,765
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,885
−HK$1,136/mo
Today · 4.125%
HK$44,021
baseline
▲ 0.50% · 4.625%
HK$46,342
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,042/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,268
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,769
−HK$1,526/mo
Today · 4.125%
HK$51,295
baseline
▲ 0.50% · 4.625%
HK$54,416
+HK$3,121/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,590/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,697
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,138
−HK$1,461/mo
Today · 4.125%
HK$56,599
baseline
▲ 0.50% · 4.625%
HK$59,582
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,198/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,995 · Scale 2, in force from 26 Feb 2026)