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$27,608
−HK$847/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$440,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,788
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,586
−HK$811/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$440,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,131
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,130
−HK$1,016/mo
Today · 4.125%
HK$34,146
baseline
▲ 0.50% · 4.625%
HK$36,223
+HK$2,077/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$440,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,745
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,704
−HK$972/mo
Today · 4.125%
HK$37,676
baseline
▲ 0.50% · 4.625%
HK$39,662
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,352/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,486
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,652
−HK$1,184/mo
Today · 4.125%
HK$39,836
baseline
▲ 0.50% · 4.625%
HK$42,260
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,672/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,703
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,821
−HK$1,135/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$440,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,196
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,695
−HK$1,523/mo
Today · 4.125%
HK$51,218
baseline
▲ 0.50% · 4.625%
HK$54,335
+HK$3,117/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,436/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,618
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,056
−HK$1,458/mo
Today · 4.125%
HK$56,514
baseline
▲ 0.50% · 4.625%
HK$59,493
+HK$2,979/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,028/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,339 · Scale 2, in force from 26 Feb 2026)