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$26,761
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,594
−HK$845/mo
Today · 4.125%
HK$28,439
baseline
▲ 0.50% · 4.625%
HK$30,170
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,878/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,772
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,570
−HK$810/mo
Today · 4.125%
HK$31,380
baseline
▲ 0.50% · 4.625%
HK$33,034
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,760/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,113
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,112
−HK$1,015/mo
Today · 4.125%
HK$34,127
baseline
▲ 0.50% · 4.625%
HK$36,204
+HK$2,077/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,254/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,726
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,684
−HK$972/mo
Today · 4.125%
HK$37,656
baseline
▲ 0.50% · 4.625%
HK$39,641
+HK$1,985/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,312/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,466
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,631
−HK$1,184/mo
Today · 4.125%
HK$39,815
baseline
▲ 0.50% · 4.625%
HK$42,238
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,630/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,680
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,798
−HK$1,134/mo
Today · 4.125%
HK$43,932
baseline
▲ 0.50% · 4.625%
HK$46,248
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,864/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,170
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,668
−HK$1,523/mo
Today · 4.125%
HK$51,191
baseline
▲ 0.50% · 4.625%
HK$54,306
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,382/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,589
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,026
−HK$1,458/mo
Today · 4.125%
HK$56,484
baseline
▲ 0.50% · 4.625%
HK$59,461
+HK$2,977/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,968/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,102 · Scale 2, in force from 26 Feb 2026)