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$26,768
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,601
−HK$846/mo
Today · 4.125%
HK$28,447
baseline
▲ 0.50% · 4.625%
HK$30,177
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,894/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,779
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,578
−HK$810/mo
Today · 4.125%
HK$31,388
baseline
▲ 0.50% · 4.625%
HK$33,042
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,776/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,122
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,121
−HK$1,015/mo
Today · 4.125%
HK$34,136
baseline
▲ 0.50% · 4.625%
HK$36,213
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$68,272/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,735
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,693
−HK$973/mo
Today · 4.125%
HK$37,666
baseline
▲ 0.50% · 4.625%
HK$39,651
+HK$1,985/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$75,332/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,475
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,641
−HK$1,184/mo
Today · 4.125%
HK$39,825
baseline
▲ 0.50% · 4.625%
HK$42,248
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,650/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,691
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,809
−HK$1,134/mo
Today · 4.125%
HK$43,943
baseline
▲ 0.50% · 4.625%
HK$46,259
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,886/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,182
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,681
−HK$1,523/mo
Today · 4.125%
HK$51,204
baseline
▲ 0.50% · 4.625%
HK$54,319
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,408/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,602
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,040
−HK$1,458/mo
Today · 4.125%
HK$56,498
baseline
▲ 0.50% · 4.625%
HK$59,476
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$112,996/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,214 · Scale 2, in force from 26 Feb 2026)