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$26,790
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,623
−HK$847/mo
Today · 4.125%
HK$28,470
baseline
▲ 0.50% · 4.625%
HK$30,202
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,940/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,804
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,603
−HK$811/mo
Today · 4.125%
HK$31,414
baseline
▲ 0.50% · 4.625%
HK$33,070
+HK$1,656/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,828/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,148
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,148
−HK$1,016/mo
Today · 4.125%
HK$34,164
baseline
▲ 0.50% · 4.625%
HK$36,243
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,328/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,764
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,724
−HK$973/mo
Today · 4.125%
HK$37,697
baseline
▲ 0.50% · 4.625%
HK$39,684
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,394/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,506
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,673
−HK$1,185/mo
Today · 4.125%
HK$39,858
baseline
▲ 0.50% · 4.625%
HK$42,283
+HK$2,425/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,716/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,725
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,844
−HK$1,136/mo
Today · 4.125%
HK$43,980
baseline
▲ 0.50% · 4.625%
HK$46,298
+HK$2,318/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,960/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,222
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,722
−HK$1,524/mo
Today · 4.125%
HK$51,246
baseline
▲ 0.50% · 4.625%
HK$54,364
+HK$3,118/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,492/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,647
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,086
−HK$1,459/mo
Today · 4.125%
HK$56,545
baseline
▲ 0.50% · 4.625%
HK$59,526
+HK$2,981/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,090/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,578 · Scale 2, in force from 26 Feb 2026)