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$26,758
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,590
−HK$846/mo
Today · 4.125%
HK$28,436
baseline
▲ 0.50% · 4.625%
HK$30,166
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,872/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,768
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,566
−HK$810/mo
Today · 4.125%
HK$31,376
baseline
▲ 0.50% · 4.625%
HK$33,030
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,752/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,109
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,108
−HK$1,015/mo
Today · 4.125%
HK$34,123
baseline
▲ 0.50% · 4.625%
HK$36,199
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,246/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,721
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,679
−HK$972/mo
Today · 4.125%
HK$37,651
baseline
▲ 0.50% · 4.625%
HK$39,636
+HK$1,985/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,302/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,461
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,626
−HK$1,184/mo
Today · 4.125%
HK$39,810
baseline
▲ 0.50% · 4.625%
HK$42,233
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,620/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,675
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,793
−HK$1,134/mo
Today · 4.125%
HK$43,927
baseline
▲ 0.50% · 4.625%
HK$46,242
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,854/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,164
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,662
−HK$1,522/mo
Today · 4.125%
HK$51,184
baseline
▲ 0.50% · 4.625%
HK$54,299
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,368/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,582
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,019
−HK$1,458/mo
Today · 4.125%
HK$56,477
baseline
▲ 0.50% · 4.625%
HK$59,454
+HK$2,977/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,954/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,048 · Scale 2, in force from 26 Feb 2026)