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$26,781
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,614
−HK$847/mo
Today · 4.125%
HK$28,461
baseline
▲ 0.50% · 4.625%
HK$30,192
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,922/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,794
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,593
−HK$811/mo
Today · 4.125%
HK$31,404
baseline
▲ 0.50% · 4.625%
HK$33,059
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,808/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,137
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,137
−HK$1,016/mo
Today · 4.125%
HK$34,153
baseline
▲ 0.50% · 4.625%
HK$36,231
+HK$2,078/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,306/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,753
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,711
−HK$973/mo
Today · 4.125%
HK$37,684
baseline
▲ 0.50% · 4.625%
HK$39,671
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,368/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,494
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,660
−HK$1,185/mo
Today · 4.125%
HK$39,845
baseline
▲ 0.50% · 4.625%
HK$42,269
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,690/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,711
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,830
−HK$1,135/mo
Today · 4.125%
HK$43,965
baseline
▲ 0.50% · 4.625%
HK$46,282
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,930/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,206
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,706
−HK$1,523/mo
Today · 4.125%
HK$51,229
baseline
▲ 0.50% · 4.625%
HK$54,346
+HK$3,117/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,458/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,629
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,067
−HK$1,459/mo
Today · 4.125%
HK$56,526
baseline
▲ 0.50% · 4.625%
HK$59,506
+HK$2,980/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,052/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,432 · Scale 2, in force from 26 Feb 2026)