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$26,762
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,595
−HK$846/mo
Today · 4.125%
HK$28,441
baseline
▲ 0.50% · 4.625%
HK$30,171
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,882/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,773
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,571
−HK$810/mo
Today · 4.125%
HK$31,381
baseline
▲ 0.50% · 4.625%
HK$33,036
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,762/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,115
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,114
−HK$1,015/mo
Today · 4.125%
HK$34,129
baseline
▲ 0.50% · 4.625%
HK$36,205
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,258/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,727
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,686
−HK$972/mo
Today · 4.125%
HK$37,658
baseline
▲ 0.50% · 4.625%
HK$39,643
+HK$1,985/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,316/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,467
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,633
−HK$1,184/mo
Today · 4.125%
HK$39,817
baseline
▲ 0.50% · 4.625%
HK$42,240
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,634/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,682
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,800
−HK$1,134/mo
Today · 4.125%
HK$43,934
baseline
▲ 0.50% · 4.625%
HK$46,250
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,868/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,172
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,671
−HK$1,522/mo
Today · 4.125%
HK$51,193
baseline
▲ 0.50% · 4.625%
HK$54,308
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,386/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,591
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,028
−HK$1,459/mo
Today · 4.125%
HK$56,487
baseline
▲ 0.50% · 4.625%
HK$59,464
+HK$2,977/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,974/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,122 · Scale 2, in force from 26 Feb 2026)