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$26,810
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,644
−HK$847/mo
Today · 4.125%
HK$28,491
baseline
▲ 0.50% · 4.625%
HK$30,225
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,982/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,826
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,626
−HK$811/mo
Today · 4.125%
HK$31,437
baseline
▲ 0.50% · 4.625%
HK$33,094
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,874/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,172
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,173
−HK$1,017/mo
Today · 4.125%
HK$34,190
baseline
▲ 0.50% · 4.625%
HK$36,270
+HK$2,080/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,380/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,791
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,751
−HK$974/mo
Today · 4.125%
HK$37,725
baseline
▲ 0.50% · 4.625%
HK$39,713
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,450/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,534
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,702
−HK$1,186/mo
Today · 4.125%
HK$39,888
baseline
▲ 0.50% · 4.625%
HK$42,315
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,776/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,756
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,876
−HK$1,136/mo
Today · 4.125%
HK$44,012
baseline
▲ 0.50% · 4.625%
HK$46,332
+HK$2,320/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,024/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,258
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,759
−HK$1,525/mo
Today · 4.125%
HK$51,284
baseline
▲ 0.50% · 4.625%
HK$54,405
+HK$3,121/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,568/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,687
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,127
−HK$1,460/mo
Today · 4.125%
HK$56,587
baseline
▲ 0.50% · 4.625%
HK$59,570
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,174/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,907 · Scale 2, in force from 26 Feb 2026)