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$26,772
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,605
−HK$846/mo
Today · 4.125%
HK$28,451
baseline
▲ 0.50% · 4.625%
HK$30,182
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,902/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,783
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,582
−HK$810/mo
Today · 4.125%
HK$31,392
baseline
▲ 0.50% · 4.625%
HK$33,047
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,784/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,126
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,125
−HK$1,016/mo
Today · 4.125%
HK$34,141
baseline
▲ 0.50% · 4.625%
HK$36,218
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$68,282/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,740
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,699
−HK$972/mo
Today · 4.125%
HK$37,671
baseline
▲ 0.50% · 4.625%
HK$39,657
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$75,342/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,481
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,646
−HK$1,185/mo
Today · 4.125%
HK$39,831
baseline
▲ 0.50% · 4.625%
HK$42,254
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,662/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,697
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,815
−HK$1,134/mo
Today · 4.125%
HK$43,949
baseline
▲ 0.50% · 4.625%
HK$46,266
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,898/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,189
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,688
−HK$1,523/mo
Today · 4.125%
HK$51,211
baseline
▲ 0.50% · 4.625%
HK$54,327
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,422/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,610
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,048
−HK$1,458/mo
Today · 4.125%
HK$56,506
baseline
▲ 0.50% · 4.625%
HK$59,485
+HK$2,979/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,012/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,276 · Scale 2, in force from 26 Feb 2026)