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$26,773
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,606
−HK$846/mo
Today · 4.125%
HK$28,452
baseline
▲ 0.50% · 4.625%
HK$30,183
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,904/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,785
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,584
−HK$810/mo
Today · 4.125%
HK$31,394
baseline
▲ 0.50% · 4.625%
HK$33,049
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,788/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,128
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,127
−HK$1,016/mo
Today · 4.125%
HK$34,143
baseline
▲ 0.50% · 4.625%
HK$36,220
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$68,286/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,742
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,701
−HK$972/mo
Today · 4.125%
HK$37,673
baseline
▲ 0.50% · 4.625%
HK$39,659
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.04M · min. income ≈ HK$75,346/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,483
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,649
−HK$1,184/mo
Today · 4.125%
HK$39,833
baseline
▲ 0.50% · 4.625%
HK$42,257
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,666/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,699
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,817
−HK$1,135/mo
Today · 4.125%
HK$43,952
baseline
▲ 0.50% · 4.625%
HK$46,269
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,904/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,192
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,691
−HK$1,523/mo
Today · 4.125%
HK$51,214
baseline
▲ 0.50% · 4.625%
HK$54,330
+HK$3,116/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,428/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,613
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,051
−HK$1,459/mo
Today · 4.125%
HK$56,510
baseline
▲ 0.50% · 4.625%
HK$59,488
+HK$2,978/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,020/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,301 · Scale 2, in force from 26 Feb 2026)