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$26,780
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,613
−HK$846/mo
Today · 4.125%
HK$28,459
baseline
▲ 0.50% · 4.625%
HK$30,191
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,918/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,792
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,591
−HK$811/mo
Today · 4.125%
HK$31,402
baseline
▲ 0.50% · 4.625%
HK$33,057
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,804/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,136
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,135
−HK$1,016/mo
Today · 4.125%
HK$34,151
baseline
▲ 0.50% · 4.625%
HK$36,229
+HK$2,078/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,302/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,751
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,710
−HK$972/mo
Today · 4.125%
HK$37,682
baseline
▲ 0.50% · 4.625%
HK$39,668
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,364/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,492
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,658
−HK$1,185/mo
Today · 4.125%
HK$39,843
baseline
▲ 0.50% · 4.625%
HK$42,267
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,686/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,709
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,828
−HK$1,135/mo
Today · 4.125%
HK$43,963
baseline
▲ 0.50% · 4.625%
HK$46,280
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,926/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,204
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,703
−HK$1,523/mo
Today · 4.125%
HK$51,226
baseline
▲ 0.50% · 4.625%
HK$54,343
+HK$3,117/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,452/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,626
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,064
−HK$1,459/mo
Today · 4.125%
HK$56,523
baseline
▲ 0.50% · 4.625%
HK$59,503
+HK$2,980/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,046/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,408 · Scale 2, in force from 26 Feb 2026)