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$26,815
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,649
−HK$847/mo
Today · 4.125%
HK$28,496
baseline
▲ 0.50% · 4.625%
HK$30,230
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,992/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,831
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$30,631
−HK$812/mo
Today · 4.125%
HK$31,443
baseline
▲ 0.50% · 4.625%
HK$33,100
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,886/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,177
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$33,178
−HK$1,017/mo
Today · 4.125%
HK$34,195
baseline
▲ 0.50% · 4.625%
HK$36,276
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$68,390/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,797
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,757
−HK$974/mo
Today · 4.125%
HK$37,731
baseline
▲ 0.50% · 4.625%
HK$39,720
+HK$1,989/mo
Deposit HK$4.70M · loan HK$7.06M · min. income ≈ HK$75,462/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,540
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,708
−HK$1,186/mo
Today · 4.125%
HK$39,894
baseline
▲ 0.50% · 4.625%
HK$42,322
+HK$2,428/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,788/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,763
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$42,883
−HK$1,137/mo
Today · 4.125%
HK$44,020
baseline
▲ 0.50% · 4.625%
HK$46,340
+HK$2,320/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,040/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,266
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,768
−HK$1,525/mo
Today · 4.125%
HK$51,293
baseline
▲ 0.50% · 4.625%
HK$54,414
+HK$3,121/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,586/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,696
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,136
−HK$1,461/mo
Today · 4.125%
HK$56,597
baseline
▲ 0.50% · 4.625%
HK$59,580
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,194/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,979 · Scale 2, in force from 26 Feb 2026)