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$26,751
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,583
−HK$845/mo
Today · 4.125%
HK$28,428
baseline
▲ 0.50% · 4.625%
HK$30,158
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,856/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,760
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,558
−HK$810/mo
Today · 4.125%
HK$31,368
baseline
▲ 0.50% · 4.625%
HK$33,021
+HK$1,653/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,736/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,101
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,100
−HK$1,014/mo
Today · 4.125%
HK$34,114
baseline
▲ 0.50% · 4.625%
HK$36,190
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,228/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,712
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,670
−HK$972/mo
Today · 4.125%
HK$37,642
baseline
▲ 0.50% · 4.625%
HK$39,626
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,284/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,451
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,616
−HK$1,184/mo
Today · 4.125%
HK$39,800
baseline
▲ 0.50% · 4.625%
HK$42,222
+HK$2,422/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,600/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,664
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,782
−HK$1,133/mo
Today · 4.125%
HK$43,915
baseline
▲ 0.50% · 4.625%
HK$46,230
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,830/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,152
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,649
−HK$1,522/mo
Today · 4.125%
HK$51,171
baseline
▲ 0.50% · 4.625%
HK$54,285
+HK$3,114/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,342/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,568
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,005
−HK$1,457/mo
Today · 4.125%
HK$56,462
baseline
▲ 0.50% · 4.625%
HK$59,439
+HK$2,977/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,924/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,934 · Scale 2, in force from 26 Feb 2026)