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$26,776
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,609
−HK$846/mo
Today · 4.125%
HK$28,455
baseline
▲ 0.50% · 4.625%
HK$30,187
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,910/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,788
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,587
−HK$811/mo
Today · 4.125%
HK$31,398
baseline
▲ 0.50% · 4.625%
HK$33,053
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,796/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,132
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,131
−HK$1,015/mo
Today · 4.125%
HK$34,146
baseline
▲ 0.50% · 4.625%
HK$36,224
+HK$2,078/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,292/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,746
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,705
−HK$972/mo
Today · 4.125%
HK$37,677
baseline
▲ 0.50% · 4.625%
HK$39,663
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,354/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,487
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,653
−HK$1,185/mo
Today · 4.125%
HK$39,838
baseline
▲ 0.50% · 4.625%
HK$42,262
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,676/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,704
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,822
−HK$1,135/mo
Today · 4.125%
HK$43,957
baseline
▲ 0.50% · 4.625%
HK$46,274
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,914/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,197
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,696
−HK$1,524/mo
Today · 4.125%
HK$51,220
baseline
▲ 0.50% · 4.625%
HK$54,336
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,440/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,619
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,057
−HK$1,459/mo
Today · 4.125%
HK$56,516
baseline
▲ 0.50% · 4.625%
HK$59,495
+HK$2,979/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,032/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,350 · Scale 2, in force from 26 Feb 2026)