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$26,787
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,620
−HK$847/mo
Today · 4.125%
HK$28,467
baseline
▲ 0.50% · 4.625%
HK$30,199
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,934/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,800
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,599
−HK$811/mo
Today · 4.125%
HK$31,410
baseline
▲ 0.50% · 4.625%
HK$33,066
+HK$1,656/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,820/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,144
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,144
−HK$1,016/mo
Today · 4.125%
HK$34,160
baseline
▲ 0.50% · 4.625%
HK$36,239
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,320/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,760
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,719
−HK$973/mo
Today · 4.125%
HK$37,692
baseline
▲ 0.50% · 4.625%
HK$39,679
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,384/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,502
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,668
−HK$1,185/mo
Today · 4.125%
HK$39,853
baseline
▲ 0.50% · 4.625%
HK$42,278
+HK$2,425/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,706/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,720
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,839
−HK$1,135/mo
Today · 4.125%
HK$43,974
baseline
▲ 0.50% · 4.625%
HK$46,292
+HK$2,318/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,948/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,216
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,716
−HK$1,524/mo
Today · 4.125%
HK$51,240
baseline
▲ 0.50% · 4.625%
HK$54,358
+HK$3,118/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,480/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,640
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,079
−HK$1,459/mo
Today · 4.125%
HK$56,538
baseline
▲ 0.50% · 4.625%
HK$59,519
+HK$2,981/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,076/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,525 · Scale 2, in force from 26 Feb 2026)