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$26,762
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,594
−HK$846/mo
Today · 4.125%
HK$28,440
baseline
▲ 0.50% · 4.625%
HK$30,171
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,880/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,772
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,571
−HK$810/mo
Today · 4.125%
HK$31,381
baseline
▲ 0.50% · 4.625%
HK$33,035
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,762/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,114
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,113
−HK$1,015/mo
Today · 4.125%
HK$34,128
baseline
▲ 0.50% · 4.625%
HK$36,205
+HK$2,077/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,256/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,727
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,685
−HK$972/mo
Today · 4.125%
HK$37,657
baseline
▲ 0.50% · 4.625%
HK$39,642
+HK$1,985/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,314/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,467
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,632
−HK$1,184/mo
Today · 4.125%
HK$39,816
baseline
▲ 0.50% · 4.625%
HK$42,239
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,632/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,681
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,799
−HK$1,134/mo
Today · 4.125%
HK$43,933
baseline
▲ 0.50% · 4.625%
HK$46,249
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,866/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,171
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,670
−HK$1,522/mo
Today · 4.125%
HK$51,192
baseline
▲ 0.50% · 4.625%
HK$54,307
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,384/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,590
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,027
−HK$1,458/mo
Today · 4.125%
HK$56,485
baseline
▲ 0.50% · 4.625%
HK$59,463
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,970/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,113 · Scale 2, in force from 26 Feb 2026)