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$26,760
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,592
−HK$846/mo
Today · 4.125%
HK$28,438
baseline
▲ 0.50% · 4.625%
HK$30,168
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,876/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,770
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,569
−HK$810/mo
Today · 4.125%
HK$31,379
baseline
▲ 0.50% · 4.625%
HK$33,033
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,758/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,112
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,111
−HK$1,015/mo
Today · 4.125%
HK$34,126
baseline
▲ 0.50% · 4.625%
HK$36,202
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,252/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,724
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,682
−HK$972/mo
Today · 4.125%
HK$37,654
baseline
▲ 0.50% · 4.625%
HK$39,639
+HK$1,985/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,308/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,464
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,629
−HK$1,184/mo
Today · 4.125%
HK$39,813
baseline
▲ 0.50% · 4.625%
HK$42,236
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,626/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,678
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,796
−HK$1,134/mo
Today · 4.125%
HK$43,930
baseline
▲ 0.50% · 4.625%
HK$46,246
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,860/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,168
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,666
−HK$1,522/mo
Today · 4.125%
HK$51,188
baseline
▲ 0.50% · 4.625%
HK$54,303
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,376/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,586
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,023
−HK$1,458/mo
Today · 4.125%
HK$56,481
baseline
▲ 0.50% · 4.625%
HK$59,459
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,962/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,081 · Scale 2, in force from 26 Feb 2026)