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$26,792
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$847/mo
Today · 4.125%
HK$28,472
baseline
▲ 0.50% · 4.625%
HK$30,205
+HK$1,733/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,944/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,806
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,605
−HK$811/mo
Today · 4.125%
HK$31,416
baseline
▲ 0.50% · 4.625%
HK$33,072
+HK$1,656/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,832/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,151
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,151
−HK$1,016/mo
Today · 4.125%
HK$34,167
baseline
▲ 0.50% · 4.625%
HK$36,246
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,334/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,767
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,726
−HK$974/mo
Today · 4.125%
HK$37,700
baseline
▲ 0.50% · 4.625%
HK$39,687
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,400/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,509
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,676
−HK$1,185/mo
Today · 4.125%
HK$39,861
baseline
▲ 0.50% · 4.625%
HK$42,287
+HK$2,426/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,722/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,728
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,847
−HK$1,136/mo
Today · 4.125%
HK$43,983
baseline
▲ 0.50% · 4.625%
HK$46,301
+HK$2,318/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,966/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,226
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,726
−HK$1,524/mo
Today · 4.125%
HK$51,250
baseline
▲ 0.50% · 4.625%
HK$54,368
+HK$3,118/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,500/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,651
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,090
−HK$1,459/mo
Today · 4.125%
HK$56,549
baseline
▲ 0.50% · 4.625%
HK$59,530
+HK$2,981/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,098/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,610 · Scale 2, in force from 26 Feb 2026)