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$26,774
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,607
−HK$846/mo
Today · 4.125%
HK$28,453
baseline
▲ 0.50% · 4.625%
HK$30,185
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,906/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,786
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,585
−HK$810/mo
Today · 4.125%
HK$31,395
baseline
▲ 0.50% · 4.625%
HK$33,050
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,790/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,129
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,129
−HK$1,015/mo
Today · 4.125%
HK$34,144
baseline
▲ 0.50% · 4.625%
HK$36,221
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,288/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,743
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,702
−HK$972/mo
Today · 4.125%
HK$37,674
baseline
▲ 0.50% · 4.625%
HK$39,660
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,348/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,484
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,650
−HK$1,185/mo
Today · 4.125%
HK$39,835
baseline
▲ 0.50% · 4.625%
HK$42,258
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,670/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,701
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,819
−HK$1,134/mo
Today · 4.125%
HK$43,953
baseline
▲ 0.50% · 4.625%
HK$46,270
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,906/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,194
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,693
−HK$1,523/mo
Today · 4.125%
HK$51,216
baseline
▲ 0.50% · 4.625%
HK$54,332
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,432/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,615
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,053
−HK$1,459/mo
Today · 4.125%
HK$56,512
baseline
▲ 0.50% · 4.625%
HK$59,490
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,024/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,317 · Scale 2, in force from 26 Feb 2026)