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$26,750
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,582
−HK$846/mo
Today · 4.125%
HK$28,428
baseline
▲ 0.50% · 4.625%
HK$30,157
+HK$1,729/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,856/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,759
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,558
−HK$809/mo
Today · 4.125%
HK$31,367
baseline
▲ 0.50% · 4.625%
HK$33,021
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,734/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,099
−HK$1,014/mo
Today · 4.125%
HK$34,113
baseline
▲ 0.50% · 4.625%
HK$36,189
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,226/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,711
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,669
−HK$972/mo
Today · 4.125%
HK$37,641
baseline
▲ 0.50% · 4.625%
HK$39,625
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,282/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,450
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,615
−HK$1,184/mo
Today · 4.125%
HK$39,799
baseline
▲ 0.50% · 4.625%
HK$42,220
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,598/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,663
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,781
−HK$1,133/mo
Today · 4.125%
HK$43,914
baseline
▲ 0.50% · 4.625%
HK$46,229
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,828/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,150
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,648
−HK$1,522/mo
Today · 4.125%
HK$51,170
baseline
▲ 0.50% · 4.625%
HK$54,283
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,340/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,567
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,004
−HK$1,457/mo
Today · 4.125%
HK$56,461
baseline
▲ 0.50% · 4.625%
HK$59,437
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,922/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,922 · Scale 2, in force from 26 Feb 2026)