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$26,755
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,587
−HK$846/mo
Today · 4.125%
HK$28,433
baseline
▲ 0.50% · 4.625%
HK$30,163
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,866/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,764
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,563
−HK$810/mo
Today · 4.125%
HK$31,373
baseline
▲ 0.50% · 4.625%
HK$33,026
+HK$1,653/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,746/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,106
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,104
−HK$1,015/mo
Today · 4.125%
HK$34,119
baseline
▲ 0.50% · 4.625%
HK$36,195
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,238/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,717
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,675
−HK$972/mo
Today · 4.125%
HK$37,647
baseline
▲ 0.50% · 4.625%
HK$39,631
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,294/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,457
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,622
−HK$1,184/mo
Today · 4.125%
HK$39,806
baseline
▲ 0.50% · 4.625%
HK$42,228
+HK$2,422/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,612/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,670
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,788
−HK$1,134/mo
Today · 4.125%
HK$43,922
baseline
▲ 0.50% · 4.625%
HK$46,237
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,844/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,159
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,657
−HK$1,522/mo
Today · 4.125%
HK$51,179
baseline
▲ 0.50% · 4.625%
HK$54,293
+HK$3,114/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,358/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,576
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,013
−HK$1,458/mo
Today · 4.125%
HK$56,471
baseline
▲ 0.50% · 4.625%
HK$59,447
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,942/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,997 · Scale 2, in force from 26 Feb 2026)