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$26,766
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,599
−HK$846/mo
Today · 4.125%
HK$28,445
baseline
▲ 0.50% · 4.625%
HK$30,175
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,890/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,777
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,576
−HK$810/mo
Today · 4.125%
HK$31,386
baseline
▲ 0.50% · 4.625%
HK$33,040
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,772/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,119
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,118
−HK$1,015/mo
Today · 4.125%
HK$34,133
baseline
▲ 0.50% · 4.625%
HK$36,210
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$68,266/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,732
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,691
−HK$972/mo
Today · 4.125%
HK$37,663
baseline
▲ 0.50% · 4.625%
HK$39,648
+HK$1,985/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$75,326/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,473
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,638
−HK$1,184/mo
Today · 4.125%
HK$39,822
baseline
▲ 0.50% · 4.625%
HK$42,245
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,644/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,688
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,806
−HK$1,134/mo
Today · 4.125%
HK$43,940
baseline
▲ 0.50% · 4.625%
HK$46,256
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,880/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,179
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,678
−HK$1,522/mo
Today · 4.125%
HK$51,200
baseline
▲ 0.50% · 4.625%
HK$54,316
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,400/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,599
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,036
−HK$1,458/mo
Today · 4.125%
HK$56,494
baseline
▲ 0.50% · 4.625%
HK$59,472
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,988/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,183 · Scale 2, in force from 26 Feb 2026)