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$26,760
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,593
−HK$845/mo
Today · 4.125%
HK$28,438
baseline
▲ 0.50% · 4.625%
HK$30,169
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,876/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,771
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,569
−HK$810/mo
Today · 4.125%
HK$31,379
baseline
▲ 0.50% · 4.625%
HK$33,033
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,758/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,112
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,111
−HK$1,015/mo
Today · 4.125%
HK$34,126
baseline
▲ 0.50% · 4.625%
HK$36,203
+HK$2,077/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,252/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,725
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,683
−HK$972/mo
Today · 4.125%
HK$37,655
baseline
▲ 0.50% · 4.625%
HK$39,640
+HK$1,985/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,310/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,464
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,630
−HK$1,184/mo
Today · 4.125%
HK$39,814
baseline
▲ 0.50% · 4.625%
HK$42,236
+HK$2,422/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,628/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,679
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,797
−HK$1,134/mo
Today · 4.125%
HK$43,931
baseline
▲ 0.50% · 4.625%
HK$46,246
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,862/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,169
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,667
−HK$1,522/mo
Today · 4.125%
HK$51,189
baseline
▲ 0.50% · 4.625%
HK$54,304
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,378/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,587
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,024
−HK$1,458/mo
Today · 4.125%
HK$56,482
baseline
▲ 0.50% · 4.625%
HK$59,460
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,964/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,088 · Scale 2, in force from 26 Feb 2026)