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$26,796
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,630
−HK$847/mo
Today · 4.125%
HK$28,477
baseline
▲ 0.50% · 4.625%
HK$30,209
+HK$1,732/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,954/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,811
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,610
−HK$811/mo
Today · 4.125%
HK$31,421
baseline
▲ 0.50% · 4.625%
HK$33,078
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,842/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,156
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,156
−HK$1,016/mo
Today · 4.125%
HK$34,172
baseline
▲ 0.50% · 4.625%
HK$36,251
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,344/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,773
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,732
−HK$974/mo
Today · 4.125%
HK$37,706
baseline
▲ 0.50% · 4.625%
HK$39,693
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,412/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,515
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,682
−HK$1,185/mo
Today · 4.125%
HK$39,867
baseline
▲ 0.50% · 4.625%
HK$42,293
+HK$2,426/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,734/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,735
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,854
−HK$1,136/mo
Today · 4.125%
HK$43,990
baseline
▲ 0.50% · 4.625%
HK$46,309
+HK$2,319/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$87,980/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,233
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,734
−HK$1,524/mo
Today · 4.125%
HK$51,258
baseline
▲ 0.50% · 4.625%
HK$54,377
+HK$3,119/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,516/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,659
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,098
−HK$1,460/mo
Today · 4.125%
HK$56,558
baseline
▲ 0.50% · 4.625%
HK$59,540
+HK$2,982/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,116/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,680 · Scale 2, in force from 26 Feb 2026)