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$26,787
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,621
−HK$846/mo
Today · 4.125%
HK$28,467
baseline
▲ 0.50% · 4.625%
HK$30,199
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,934/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,801
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,600
−HK$811/mo
Today · 4.125%
HK$31,411
baseline
▲ 0.50% · 4.625%
HK$33,066
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,822/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,145
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,145
−HK$1,016/mo
Today · 4.125%
HK$34,161
baseline
▲ 0.50% · 4.625%
HK$36,239
+HK$2,078/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,322/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,761
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,720
−HK$973/mo
Today · 4.125%
HK$37,693
baseline
▲ 0.50% · 4.625%
HK$39,680
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,386/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,502
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,669
−HK$1,185/mo
Today · 4.125%
HK$39,854
baseline
▲ 0.50% · 4.625%
HK$42,279
+HK$2,425/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,708/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,721
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,840
−HK$1,135/mo
Today · 4.125%
HK$43,975
baseline
▲ 0.50% · 4.625%
HK$46,293
+HK$2,318/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,950/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,217
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,717
−HK$1,524/mo
Today · 4.125%
HK$51,241
baseline
▲ 0.50% · 4.625%
HK$54,359
+HK$3,118/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,482/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,641
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,080
−HK$1,459/mo
Today · 4.125%
HK$56,539
baseline
▲ 0.50% · 4.625%
HK$59,519
+HK$2,980/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,078/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,531 · Scale 2, in force from 26 Feb 2026)