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$440,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,815
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,615
−HK$811/mo
Today · 4.125%
HK$31,426
baseline
▲ 0.50% · 4.625%
HK$33,083
+HK$1,657/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$440,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,161
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,161
−HK$1,016/mo
Today · 4.125%
HK$34,177
baseline
▲ 0.50% · 4.625%
HK$36,257
+HK$2,080/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$440,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,778
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,738
−HK$973/mo
Today · 4.125%
HK$37,711
baseline
▲ 0.50% · 4.625%
HK$39,699
+HK$1,988/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$440,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,521
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,688
−HK$1,185/mo
Today · 4.125%
HK$39,873
baseline
▲ 0.50% · 4.625%
HK$42,300
+HK$2,427/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$440,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,741
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,861
−HK$1,135/mo
Today · 4.125%
HK$43,996
baseline
▲ 0.50% · 4.625%
HK$46,316
+HK$2,320/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$440,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,241
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,741
−HK$1,525/mo
Today · 4.125%
HK$51,266
baseline
▲ 0.50% · 4.625%
HK$54,385
+HK$3,119/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,532/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,667
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,107
−HK$1,460/mo
Today · 4.125%
HK$56,567
baseline
▲ 0.50% · 4.625%
HK$59,549
+HK$2,982/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,134/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,747 · Scale 2, in force from 26 Feb 2026)