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$26,791
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$846/mo
Today · 4.125%
HK$28,471
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,733/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,942/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,805
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,605
−HK$810/mo
Today · 4.125%
HK$31,415
baseline
▲ 0.50% · 4.625%
HK$33,071
+HK$1,656/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,830/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,150
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,150
−HK$1,016/mo
Today · 4.125%
HK$34,166
baseline
▲ 0.50% · 4.625%
HK$36,245
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,332/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,766
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,725
−HK$974/mo
Today · 4.125%
HK$37,699
baseline
▲ 0.50% · 4.625%
HK$39,686
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,398/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,508
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,675
−HK$1,185/mo
Today · 4.125%
HK$39,860
baseline
▲ 0.50% · 4.625%
HK$42,285
+HK$2,425/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,720/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,727
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,846
−HK$1,136/mo
Today · 4.125%
HK$43,982
baseline
▲ 0.50% · 4.625%
HK$46,300
+HK$2,318/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,964/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,224
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,725
−HK$1,524/mo
Today · 4.125%
HK$51,249
baseline
▲ 0.50% · 4.625%
HK$54,367
+HK$3,118/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,498/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,649
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,088
−HK$1,460/mo
Today · 4.125%
HK$56,548
baseline
▲ 0.50% · 4.625%
HK$59,528
+HK$2,980/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,096/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,599 · Scale 2, in force from 26 Feb 2026)