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$26,779
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,612
−HK$847/mo
Today · 4.125%
HK$28,459
baseline
▲ 0.50% · 4.625%
HK$30,190
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,918/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,792
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,591
−HK$810/mo
Today · 4.125%
HK$31,401
baseline
▲ 0.50% · 4.625%
HK$33,056
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,802/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,135
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,135
−HK$1,015/mo
Today · 4.125%
HK$34,150
baseline
▲ 0.50% · 4.625%
HK$36,228
+HK$2,078/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,300/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,750
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,709
−HK$973/mo
Today · 4.125%
HK$37,682
baseline
▲ 0.50% · 4.625%
HK$39,668
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,364/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,491
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,657
−HK$1,185/mo
Today · 4.125%
HK$39,842
baseline
▲ 0.50% · 4.625%
HK$42,266
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,684/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,708
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,827
−HK$1,135/mo
Today · 4.125%
HK$43,962
baseline
▲ 0.50% · 4.625%
HK$46,279
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,924/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,203
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,702
−HK$1,524/mo
Today · 4.125%
HK$51,226
baseline
▲ 0.50% · 4.625%
HK$54,342
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,452/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,625
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,063
−HK$1,459/mo
Today · 4.125%
HK$56,522
baseline
▲ 0.50% · 4.625%
HK$59,502
+HK$2,980/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,044/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,400 · Scale 2, in force from 26 Feb 2026)