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$26,784
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,617
−HK$847/mo
Today · 4.125%
HK$28,464
baseline
▲ 0.50% · 4.625%
HK$30,196
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,928/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,797
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,596
−HK$811/mo
Today · 4.125%
HK$31,407
baseline
▲ 0.50% · 4.625%
HK$33,062
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,814/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,141
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,141
−HK$1,015/mo
Today · 4.125%
HK$34,156
baseline
▲ 0.50% · 4.625%
HK$36,235
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,312/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,756
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,715
−HK$973/mo
Today · 4.125%
HK$37,688
baseline
▲ 0.50% · 4.625%
HK$39,675
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,376/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,498
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,664
−HK$1,185/mo
Today · 4.125%
HK$39,849
baseline
▲ 0.50% · 4.625%
HK$42,274
+HK$2,425/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,698/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,716
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,835
−HK$1,135/mo
Today · 4.125%
HK$43,970
baseline
▲ 0.50% · 4.625%
HK$46,287
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,940/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,211
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,711
−HK$1,524/mo
Today · 4.125%
HK$51,235
baseline
▲ 0.50% · 4.625%
HK$54,352
+HK$3,117/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,470/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,635
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,073
−HK$1,459/mo
Today · 4.125%
HK$56,532
baseline
▲ 0.50% · 4.625%
HK$59,512
+HK$2,980/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,064/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,478 · Scale 2, in force from 26 Feb 2026)