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$26,778
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,611
−HK$846/mo
Today · 4.125%
HK$28,457
baseline
▲ 0.50% · 4.625%
HK$30,189
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,914/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,790
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,589
−HK$811/mo
Today · 4.125%
HK$31,400
baseline
▲ 0.50% · 4.625%
HK$33,055
+HK$1,655/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,800/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,133
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,133
−HK$1,016/mo
Today · 4.125%
HK$34,149
baseline
▲ 0.50% · 4.625%
HK$36,226
+HK$2,077/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,298/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,748
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$36,707
−HK$973/mo
Today · 4.125%
HK$37,680
baseline
▲ 0.50% · 4.625%
HK$39,666
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,360/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,489
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,655
−HK$1,185/mo
Today · 4.125%
HK$39,840
baseline
▲ 0.50% · 4.625%
HK$42,264
+HK$2,424/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,680/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,706
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,825
−HK$1,134/mo
Today · 4.125%
HK$43,959
baseline
▲ 0.50% · 4.625%
HK$46,277
+HK$2,318/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,918/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,200
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,700
−HK$1,523/mo
Today · 4.125%
HK$51,223
baseline
▲ 0.50% · 4.625%
HK$54,340
+HK$3,117/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,446/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,622
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,060
−HK$1,459/mo
Today · 4.125%
HK$56,519
baseline
▲ 0.50% · 4.625%
HK$59,498
+HK$2,979/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,038/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,377 · Scale 2, in force from 26 Feb 2026)