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$27,620
−HK$846/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$440,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,800
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,599
−HK$811/mo
Today · 4.125%
HK$31,410
baseline
▲ 0.50% · 4.625%
HK$33,065
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,820/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,144
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,144
−HK$1,015/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$440,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,760
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,719
−HK$973/mo
Today · 4.125%
HK$37,692
baseline
▲ 0.50% · 4.625%
HK$39,678
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,384/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,501
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,667
−HK$1,186/mo
Today · 4.125%
HK$39,853
baseline
▲ 0.50% · 4.625%
HK$42,278
+HK$2,425/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,706/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,517 · 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$440,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,216
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,715
−HK$1,524/mo
Today · 4.125%
HK$51,239
baseline
▲ 0.50% · 4.625%
HK$54,357
+HK$3,118/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$440,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,639
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,078
−HK$1,459/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$440,517 · Scale 2, in force from 26 Feb 2026)