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$26,793
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,627
−HK$847/mo
Today · 4.125%
HK$28,474
baseline
▲ 0.50% · 4.625%
HK$30,206
+HK$1,732/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,948/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,807
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,607
−HK$811/mo
Today · 4.125%
HK$31,418
baseline
▲ 0.50% · 4.625%
HK$33,074
+HK$1,656/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,836/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,152
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,152
−HK$1,016/mo
Today · 4.125%
HK$34,168
baseline
▲ 0.50% · 4.625%
HK$36,247
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,336/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,769
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,728
−HK$973/mo
Today · 4.125%
HK$37,701
baseline
▲ 0.50% · 4.625%
HK$39,689
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,402/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,511
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,678
−HK$1,185/mo
Today · 4.125%
HK$39,863
baseline
▲ 0.50% · 4.625%
HK$42,289
+HK$2,426/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,726/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,730
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,849
−HK$1,136/mo
Today · 4.125%
HK$43,985
baseline
▲ 0.50% · 4.625%
HK$46,303
+HK$2,318/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$87,970/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,228
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,728
−HK$1,524/mo
Today · 4.125%
HK$51,252
baseline
▲ 0.50% · 4.625%
HK$54,371
+HK$3,119/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,504/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,653
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,092
−HK$1,460/mo
Today · 4.125%
HK$56,552
baseline
▲ 0.50% · 4.625%
HK$59,533
+HK$2,981/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,104/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,631 · Scale 2, in force from 26 Feb 2026)