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$26,773
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,606
−HK$846/mo
Today · 4.125%
HK$28,452
baseline
▲ 0.50% · 4.625%
HK$30,183
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,904/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,784
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,583
−HK$811/mo
Today · 4.125%
HK$31,394
baseline
▲ 0.50% · 4.625%
HK$33,048
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,788/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,127
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,127
−HK$1,015/mo
Today · 4.125%
HK$34,142
baseline
▲ 0.50% · 4.625%
HK$36,219
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$68,284/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,741
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,700
−HK$972/mo
Today · 4.125%
HK$37,672
baseline
▲ 0.50% · 4.625%
HK$39,658
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$75,344/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,482
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,648
−HK$1,184/mo
Today · 4.125%
HK$39,832
baseline
▲ 0.50% · 4.625%
HK$42,256
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,664/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,698
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,817
−HK$1,134/mo
Today · 4.125%
HK$43,951
baseline
▲ 0.50% · 4.625%
HK$46,268
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,902/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,191
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,690
−HK$1,523/mo
Today · 4.125%
HK$51,213
baseline
▲ 0.50% · 4.625%
HK$54,329
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,426/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,612
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,050
−HK$1,459/mo
Today · 4.125%
HK$56,509
baseline
▲ 0.50% · 4.625%
HK$59,487
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,018/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,293 · Scale 2, in force from 26 Feb 2026)