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$26,763
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,595
−HK$846/mo
Today · 4.125%
HK$28,441
baseline
▲ 0.50% · 4.625%
HK$30,172
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,882/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,773
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,572
−HK$810/mo
Today · 4.125%
HK$31,382
baseline
▲ 0.50% · 4.625%
HK$33,036
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,764/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,115
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,114
−HK$1,015/mo
Today · 4.125%
HK$34,129
baseline
▲ 0.50% · 4.625%
HK$36,206
+HK$2,077/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,258/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,728
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,686
−HK$972/mo
Today · 4.125%
HK$37,658
baseline
▲ 0.50% · 4.625%
HK$39,643
+HK$1,985/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,316/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,468
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,633
−HK$1,184/mo
Today · 4.125%
HK$39,817
baseline
▲ 0.50% · 4.625%
HK$42,240
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,634/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,683
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,801
−HK$1,134/mo
Today · 4.125%
HK$43,935
baseline
▲ 0.50% · 4.625%
HK$46,250
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,870/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,173
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,671
−HK$1,523/mo
Today · 4.125%
HK$51,194
baseline
▲ 0.50% · 4.625%
HK$54,309
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,388/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,592
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,029
−HK$1,458/mo
Today · 4.125%
HK$56,487
baseline
▲ 0.50% · 4.625%
HK$59,465
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,974/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,128 · Scale 2, in force from 26 Feb 2026)