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$26,778
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,611
−HK$847/mo
Today · 4.125%
HK$28,458
baseline
▲ 0.50% · 4.625%
HK$30,189
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,916/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,791
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,590
−HK$810/mo
Today · 4.125%
HK$31,400
baseline
▲ 0.50% · 4.625%
HK$33,055
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,800/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,134
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,134
−HK$1,015/mo
Today · 4.125%
HK$34,149
baseline
▲ 0.50% · 4.625%
HK$36,227
+HK$2,078/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,298/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,749
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,708
−HK$972/mo
Today · 4.125%
HK$37,680
baseline
▲ 0.50% · 4.625%
HK$39,666
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,360/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,490
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,656
−HK$1,185/mo
Today · 4.125%
HK$39,841
baseline
▲ 0.50% · 4.625%
HK$42,265
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,682/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,707
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,825
−HK$1,135/mo
Today · 4.125%
HK$43,960
baseline
▲ 0.50% · 4.625%
HK$46,277
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,920/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,201
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,700
−HK$1,524/mo
Today · 4.125%
HK$51,224
baseline
▲ 0.50% · 4.625%
HK$54,340
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,448/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,623
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,061
−HK$1,459/mo
Today · 4.125%
HK$56,520
baseline
▲ 0.50% · 4.625%
HK$59,499
+HK$2,979/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,040/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,384 · Scale 2, in force from 26 Feb 2026)