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$26,785
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,618
−HK$846/mo
Today · 4.125%
HK$28,464
baseline
▲ 0.50% · 4.625%
HK$30,196
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,928/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,798
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,597
−HK$811/mo
Today · 4.125%
HK$31,408
baseline
▲ 0.50% · 4.625%
HK$33,063
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,816/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,142
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,141
−HK$1,016/mo
Today · 4.125%
HK$34,157
baseline
▲ 0.50% · 4.625%
HK$36,236
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,314/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,757
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,716
−HK$973/mo
Today · 4.125%
HK$37,689
baseline
▲ 0.50% · 4.625%
HK$39,676
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,378/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,499
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,665
−HK$1,185/mo
Today · 4.125%
HK$39,850
baseline
▲ 0.50% · 4.625%
HK$42,275
+HK$2,425/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,700/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,717
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,836
−HK$1,135/mo
Today · 4.125%
HK$43,971
baseline
▲ 0.50% · 4.625%
HK$46,288
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,942/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,212
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,712
−HK$1,524/mo
Today · 4.125%
HK$51,236
baseline
▲ 0.50% · 4.625%
HK$54,353
+HK$3,117/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,472/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,636
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,074
−HK$1,460/mo
Today · 4.125%
HK$56,534
baseline
▲ 0.50% · 4.625%
HK$59,514
+HK$2,980/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,068/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,489 · Scale 2, in force from 26 Feb 2026)