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$26,795
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,628
−HK$847/mo
Today · 4.125%
HK$28,475
baseline
▲ 0.50% · 4.625%
HK$30,207
+HK$1,732/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,950/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,809
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,608
−HK$811/mo
Today · 4.125%
HK$31,419
baseline
▲ 0.50% · 4.625%
HK$33,075
+HK$1,656/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,838/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,154
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,154
−HK$1,016/mo
Today · 4.125%
HK$34,170
baseline
▲ 0.50% · 4.625%
HK$36,249
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,340/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,770
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,730
−HK$973/mo
Today · 4.125%
HK$37,703
baseline
▲ 0.50% · 4.625%
HK$39,690
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,406/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,512
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$38,679
−HK$1,186/mo
Today · 4.125%
HK$39,865
baseline
▲ 0.50% · 4.625%
HK$42,290
+HK$2,425/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,730/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,732
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,851
−HK$1,136/mo
Today · 4.125%
HK$43,987
baseline
▲ 0.50% · 4.625%
HK$46,305
+HK$2,318/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$87,974/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,230
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,730
−HK$1,525/mo
Today · 4.125%
HK$51,255
baseline
▲ 0.50% · 4.625%
HK$54,373
+HK$3,118/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,510/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,656
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,095
−HK$1,460/mo
Today · 4.125%
HK$56,555
baseline
▲ 0.50% · 4.625%
HK$59,536
+HK$2,981/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,110/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,651 · Scale 2, in force from 26 Feb 2026)