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$440,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,770
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,568
−HK$810/mo
Today · 4.125%
HK$31,378
baseline
▲ 0.50% · 4.625%
HK$33,032
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,756/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,111
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,110
−HK$1,015/mo
Today · 4.125%
HK$34,125
baseline
▲ 0.50% · 4.625%
HK$36,202
+HK$2,077/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,250/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,075 · 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$39,638
+HK$1,984/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$440,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,463
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,629
−HK$1,184/mo
Today · 4.125%
HK$39,813
baseline
▲ 0.50% · 4.625%
HK$42,235
+HK$2,422/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$440,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,678
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,795
−HK$1,134/mo
Today · 4.125%
HK$43,929
baseline
▲ 0.50% · 4.625%
HK$46,245
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,858/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,167
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,665
−HK$1,523/mo
Today · 4.125%
HK$51,188
baseline
▲ 0.50% · 4.625%
HK$54,302
+HK$3,114/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$440,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,585
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,023
−HK$1,458/mo
Today · 4.125%
HK$56,481
baseline
▲ 0.50% · 4.625%
HK$59,458
+HK$2,977/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$440,075 · Scale 2, in force from 26 Feb 2026)