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$26,782
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,615
−HK$846/mo
Today · 4.125%
HK$28,461
baseline
▲ 0.50% · 4.625%
HK$30,193
+HK$1,732/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$440,438 · 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$440,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,138
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,138
−HK$1,015/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$440,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,753
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,712
−HK$973/mo
Today · 4.125%
HK$37,685
baseline
▲ 0.50% · 4.625%
HK$39,671
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,370/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,494
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,661
−HK$1,184/mo
Today · 4.125%
HK$39,845
baseline
▲ 0.50% · 4.625%
HK$42,270
+HK$2,425/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$440,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,712
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,831
−HK$1,135/mo
Today · 4.125%
HK$43,966
baseline
▲ 0.50% · 4.625%
HK$46,283
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,932/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,207
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,706
−HK$1,524/mo
Today · 4.125%
HK$51,230
baseline
▲ 0.50% · 4.625%
HK$54,347
+HK$3,117/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,460/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,630
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,068
−HK$1,459/mo
Today · 4.125%
HK$56,527
baseline
▲ 0.50% · 4.625%
HK$59,507
+HK$2,980/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,054/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,438 · Scale 2, in force from 26 Feb 2026)