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$1,678/mo
▼ 0.25% · 3.875%
HK$27,602
−HK$846/mo
Today · 4.125%
HK$28,448
baseline
▲ 0.50% · 4.625%
HK$30,179
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,896/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,781
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,580
−HK$810/mo
Today · 4.125%
HK$31,390
baseline
▲ 0.50% · 4.625%
HK$33,045
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,780/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,124
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,123
−HK$1,015/mo
Today · 4.125%
HK$34,138
baseline
▲ 0.50% · 4.625%
HK$36,215
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$68,276/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,737
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,696
−HK$972/mo
Today · 4.125%
HK$37,668
baseline
▲ 0.50% · 4.625%
HK$39,653
+HK$1,985/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$75,336/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,478
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,643
−HK$1,185/mo
Today · 4.125%
HK$39,828
baseline
▲ 0.50% · 4.625%
HK$42,251
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,656/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,693
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,812
−HK$1,134/mo
Today · 4.125%
HK$43,946
baseline
▲ 0.50% · 4.625%
HK$46,262
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,892/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,185
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,684
−HK$1,523/mo
Today · 4.125%
HK$51,207
baseline
▲ 0.50% · 4.625%
HK$54,323
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,414/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,606
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,043
−HK$1,459/mo
Today · 4.125%
HK$56,502
baseline
▲ 0.50% · 4.625%
HK$59,480
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,004/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,241 · Scale 2, in force from 26 Feb 2026)