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$26,786
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,619
−HK$847/mo
Today · 4.125%
HK$28,466
baseline
▲ 0.50% · 4.625%
HK$30,198
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,932/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,799
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,599
−HK$810/mo
Today · 4.125%
HK$31,409
baseline
▲ 0.50% · 4.625%
HK$33,065
+HK$1,656/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,818/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,143
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,143
−HK$1,016/mo
Today · 4.125%
HK$34,159
baseline
▲ 0.50% · 4.625%
HK$36,238
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,318/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,759
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,718
−HK$973/mo
Today · 4.125%
HK$37,691
baseline
▲ 0.50% · 4.625%
HK$39,678
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,382/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,501
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,667
−HK$1,185/mo
Today · 4.125%
HK$39,852
baseline
▲ 0.50% · 4.625%
HK$42,277
+HK$2,425/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,704/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,719
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,838
−HK$1,135/mo
Today · 4.125%
HK$43,973
baseline
▲ 0.50% · 4.625%
HK$46,291
+HK$2,318/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,946/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,215
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,715
−HK$1,524/mo
Today · 4.125%
HK$51,239
baseline
▲ 0.50% · 4.625%
HK$54,356
+HK$3,117/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,478/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,639
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,077
−HK$1,460/mo
Today · 4.125%
HK$56,537
baseline
▲ 0.50% · 4.625%
HK$59,517
+HK$2,980/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,074/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,514 · Scale 2, in force from 26 Feb 2026)