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$26,770
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,603
−HK$846/mo
Today · 4.125%
HK$28,449
baseline
▲ 0.50% · 4.625%
HK$30,180
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,898/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,782
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,581
−HK$810/mo
Today · 4.125%
HK$31,391
baseline
▲ 0.50% · 4.625%
HK$33,046
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,782/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,125
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,124
−HK$1,015/mo
Today · 4.125%
HK$34,139
baseline
▲ 0.50% · 4.625%
HK$36,216
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$68,278/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,738
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,697
−HK$972/mo
Today · 4.125%
HK$37,669
baseline
▲ 0.50% · 4.625%
HK$39,655
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$75,338/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,479
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,644
−HK$1,185/mo
Today · 4.125%
HK$39,829
baseline
▲ 0.50% · 4.625%
HK$42,252
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,658/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,695
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,813
−HK$1,134/mo
Today · 4.125%
HK$43,947
baseline
▲ 0.50% · 4.625%
HK$46,264
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,894/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,187
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,686
−HK$1,523/mo
Today · 4.125%
HK$51,209
baseline
▲ 0.50% · 4.625%
HK$54,324
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,418/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,607
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,045
−HK$1,459/mo
Today · 4.125%
HK$56,504
baseline
▲ 0.50% · 4.625%
HK$59,482
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,008/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,254 · Scale 2, in force from 26 Feb 2026)