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$26,776
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,609
−HK$846/mo
Today · 4.125%
HK$28,455
baseline
▲ 0.50% · 4.625%
HK$30,186
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,910/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,788
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,587
−HK$810/mo
Today · 4.125%
HK$31,397
baseline
▲ 0.50% · 4.625%
HK$33,052
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,794/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,131
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,131
−HK$1,015/mo
Today · 4.125%
HK$34,146
baseline
▲ 0.50% · 4.625%
HK$36,224
+HK$2,078/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,292/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,746
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,704
−HK$973/mo
Today · 4.125%
HK$37,677
baseline
▲ 0.50% · 4.625%
HK$39,663
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,354/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,486
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,652
−HK$1,185/mo
Today · 4.125%
HK$39,837
baseline
▲ 0.50% · 4.625%
HK$42,261
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,674/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,703
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,822
−HK$1,134/mo
Today · 4.125%
HK$43,956
baseline
▲ 0.50% · 4.625%
HK$46,273
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,912/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,197
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,696
−HK$1,523/mo
Today · 4.125%
HK$51,219
baseline
▲ 0.50% · 4.625%
HK$54,336
+HK$3,117/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,438/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,618
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,056
−HK$1,459/mo
Today · 4.125%
HK$56,515
baseline
▲ 0.50% · 4.625%
HK$59,494
+HK$2,979/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,030/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,345 · Scale 2, in force from 26 Feb 2026)