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$27,593
−HK$846/mo
Today · 4.125%
HK$28,439
baseline
▲ 0.50% · 4.625%
HK$30,169
+HK$1,730/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$440,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,771
−HK$1,609/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$440,095 · 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$36,203
+HK$2,076/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$440,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,725
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,683
−HK$972/mo
Today · 4.125%
HK$37,655
baseline
▲ 0.50% · 4.625%
HK$39,640
+HK$1,985/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,310/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,465
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,630
−HK$1,184/mo
Today · 4.125%
HK$39,814
baseline
▲ 0.50% · 4.625%
HK$42,237
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,628/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,680
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,797
−HK$1,134/mo
Today · 4.125%
HK$43,931
baseline
▲ 0.50% · 4.625%
HK$46,247
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,862/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,169
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,668
−HK$1,522/mo
Today · 4.125%
HK$51,190
baseline
▲ 0.50% · 4.625%
HK$54,305
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,380/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,588
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,025
−HK$1,458/mo
Today · 4.125%
HK$56,483
baseline
▲ 0.50% · 4.625%
HK$59,460
+HK$2,977/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,966/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,095 · Scale 2, in force from 26 Feb 2026)