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$26,769
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,601
−HK$846/mo
Today · 4.125%
HK$28,447
baseline
▲ 0.50% · 4.625%
HK$30,178
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,894/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,780
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,579
−HK$810/mo
Today · 4.125%
HK$31,389
baseline
▲ 0.50% · 4.625%
HK$33,043
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,778/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,122
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,122
−HK$1,015/mo
Today · 4.125%
HK$34,137
baseline
▲ 0.50% · 4.625%
HK$36,214
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$68,274/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,736
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,694
−HK$973/mo
Today · 4.125%
HK$37,667
baseline
▲ 0.50% · 4.625%
HK$39,652
+HK$1,985/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$75,334/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,476
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,642
−HK$1,184/mo
Today · 4.125%
HK$39,826
baseline
▲ 0.50% · 4.625%
HK$42,250
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,652/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,692
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,810
−HK$1,134/mo
Today · 4.125%
HK$43,944
baseline
▲ 0.50% · 4.625%
HK$46,261
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,888/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,184
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,682
−HK$1,523/mo
Today · 4.125%
HK$51,205
baseline
▲ 0.50% · 4.625%
HK$54,321
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,410/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,604
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,041
−HK$1,459/mo
Today · 4.125%
HK$56,500
baseline
▲ 0.50% · 4.625%
HK$59,478
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,000/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,225 · Scale 2, in force from 26 Feb 2026)