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$26,756
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,589
−HK$845/mo
Today · 4.125%
HK$28,434
baseline
▲ 0.50% · 4.625%
HK$30,164
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,868/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,766
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,565
−HK$809/mo
Today · 4.125%
HK$31,374
baseline
▲ 0.50% · 4.625%
HK$33,028
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,748/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,108
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,106
−HK$1,015/mo
Today · 4.125%
HK$34,121
baseline
▲ 0.50% · 4.625%
HK$36,197
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,242/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,720
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,678
−HK$971/mo
Today · 4.125%
HK$37,649
baseline
▲ 0.50% · 4.625%
HK$39,634
+HK$1,985/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,298/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,459
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,624
−HK$1,184/mo
Today · 4.125%
HK$39,808
baseline
▲ 0.50% · 4.625%
HK$42,230
+HK$2,422/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,616/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,673
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,790
−HK$1,134/mo
Today · 4.125%
HK$43,924
baseline
▲ 0.50% · 4.625%
HK$46,240
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,848/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,162
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,660
−HK$1,522/mo
Today · 4.125%
HK$51,182
baseline
▲ 0.50% · 4.625%
HK$54,296
+HK$3,114/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,364/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,579
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,016
−HK$1,458/mo
Today · 4.125%
HK$56,474
baseline
▲ 0.50% · 4.625%
HK$59,451
+HK$2,977/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,948/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,024 · Scale 2, in force from 26 Feb 2026)