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$26,770
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,603
−HK$846/mo
Today · 4.125%
HK$28,449
baseline
▲ 0.50% · 4.625%
HK$30,180
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,898/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,782
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,580
−HK$811/mo
Today · 4.125%
HK$31,391
baseline
▲ 0.50% · 4.625%
HK$33,045
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,782/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,124
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,123
−HK$1,016/mo
Today · 4.125%
HK$34,139
baseline
▲ 0.50% · 4.625%
HK$36,216
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$68,278/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,738
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,696
−HK$973/mo
Today · 4.125%
HK$37,669
baseline
▲ 0.50% · 4.625%
HK$39,654
+HK$1,985/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$75,338/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,478
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,644
−HK$1,185/mo
Today · 4.125%
HK$39,829
baseline
▲ 0.50% · 4.625%
HK$42,252
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,658/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,694
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,812
−HK$1,135/mo
Today · 4.125%
HK$43,947
baseline
▲ 0.50% · 4.625%
HK$46,263
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,894/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,186
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,685
−HK$1,523/mo
Today · 4.125%
HK$51,208
baseline
▲ 0.50% · 4.625%
HK$54,324
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,416/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,607
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,045
−HK$1,458/mo
Today · 4.125%
HK$56,503
baseline
▲ 0.50% · 4.625%
HK$59,481
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,006/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,250 · Scale 2, in force from 26 Feb 2026)