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$26,757
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,590
−HK$845/mo
Today · 4.125%
HK$28,435
baseline
▲ 0.50% · 4.625%
HK$30,165
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,870/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,767
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,566
−HK$809/mo
Today · 4.125%
HK$31,375
baseline
▲ 0.50% · 4.625%
HK$33,029
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,750/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,109
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,108
−HK$1,014/mo
Today · 4.125%
HK$34,122
baseline
▲ 0.50% · 4.625%
HK$36,199
+HK$2,077/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,244/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,721
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,679
−HK$972/mo
Today · 4.125%
HK$37,651
baseline
▲ 0.50% · 4.625%
HK$39,635
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,302/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,460
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,625
−HK$1,184/mo
Today · 4.125%
HK$39,809
baseline
▲ 0.50% · 4.625%
HK$42,232
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,618/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,674
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,792
−HK$1,134/mo
Today · 4.125%
HK$43,926
baseline
▲ 0.50% · 4.625%
HK$46,241
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,852/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,163
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,661
−HK$1,522/mo
Today · 4.125%
HK$51,183
baseline
▲ 0.50% · 4.625%
HK$54,298
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,366/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,581
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,018
−HK$1,458/mo
Today · 4.125%
HK$56,476
baseline
▲ 0.50% · 4.625%
HK$59,453
+HK$2,977/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,952/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,038 · Scale 2, in force from 26 Feb 2026)