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$30,208
+HK$1,733/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$440,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,809
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,609
−HK$811/mo
Today · 4.125%
HK$31,420
baseline
▲ 0.50% · 4.625%
HK$33,076
+HK$1,656/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,840/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,657 · 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$440,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,771
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,730
−HK$974/mo
Today · 4.125%
HK$37,704
baseline
▲ 0.50% · 4.625%
HK$39,691
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,408/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,513
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,680
−HK$1,185/mo
Today · 4.125%
HK$39,865
baseline
▲ 0.50% · 4.625%
HK$42,291
+HK$2,426/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$440,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,733
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,852
−HK$1,135/mo
Today · 4.125%
HK$43,987
baseline
▲ 0.50% · 4.625%
HK$46,306
+HK$2,319/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$440,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,231
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,731
−HK$1,524/mo
Today · 4.125%
HK$51,255
baseline
▲ 0.50% · 4.625%
HK$54,374
+HK$3,119/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$440,657 · 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$440,657 · Scale 2, in force from 26 Feb 2026)