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$26,768
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,600
−HK$846/mo
Today · 4.125%
HK$28,446
baseline
▲ 0.50% · 4.625%
HK$30,177
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,892/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,779
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,577
−HK$810/mo
Today · 4.125%
HK$31,387
baseline
▲ 0.50% · 4.625%
HK$33,042
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,774/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,121
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,120
−HK$1,015/mo
Today · 4.125%
HK$34,135
baseline
▲ 0.50% · 4.625%
HK$36,212
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$68,270/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,734
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,693
−HK$972/mo
Today · 4.125%
HK$37,665
baseline
▲ 0.50% · 4.625%
HK$39,650
+HK$1,985/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$75,330/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,475
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,640
−HK$1,185/mo
Today · 4.125%
HK$39,825
baseline
▲ 0.50% · 4.625%
HK$42,248
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,650/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,690
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,808
−HK$1,134/mo
Today · 4.125%
HK$43,942
baseline
▲ 0.50% · 4.625%
HK$46,259
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,884/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,182
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,680
−HK$1,523/mo
Today · 4.125%
HK$51,203
baseline
▲ 0.50% · 4.625%
HK$54,319
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,406/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,602
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,039
−HK$1,458/mo
Today · 4.125%
HK$56,497
baseline
▲ 0.50% · 4.625%
HK$59,476
+HK$2,979/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,994/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,207 · Scale 2, in force from 26 Feb 2026)