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$26,789
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,623
−HK$846/mo
Today · 4.125%
HK$28,469
baseline
▲ 0.50% · 4.625%
HK$30,202
+HK$1,733/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,938/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,803
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,602
−HK$811/mo
Today · 4.125%
HK$31,413
baseline
▲ 0.50% · 4.625%
HK$33,069
+HK$1,656/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,826/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,147
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,147
−HK$1,016/mo
Today · 4.125%
HK$34,163
baseline
▲ 0.50% · 4.625%
HK$36,242
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,326/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,764
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,723
−HK$973/mo
Today · 4.125%
HK$37,696
baseline
▲ 0.50% · 4.625%
HK$39,683
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,392/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,505
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,672
−HK$1,185/mo
Today · 4.125%
HK$39,857
baseline
▲ 0.50% · 4.625%
HK$42,282
+HK$2,425/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,714/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,724
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,843
−HK$1,135/mo
Today · 4.125%
HK$43,978
baseline
▲ 0.50% · 4.625%
HK$46,297
+HK$2,319/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,956/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,221
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,721
−HK$1,524/mo
Today · 4.125%
HK$51,245
baseline
▲ 0.50% · 4.625%
HK$54,363
+HK$3,118/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,490/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,645
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,084
−HK$1,460/mo
Today · 4.125%
HK$56,544
baseline
▲ 0.50% · 4.625%
HK$59,524
+HK$2,980/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,088/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,566 · Scale 2, in force from 26 Feb 2026)