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$26,718
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,549
−HK$844/mo
Today · 4.125%
HK$28,393
baseline
▲ 0.50% · 4.625%
HK$30,121
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,786/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,723
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,520
−HK$809/mo
Today · 4.125%
HK$31,329
baseline
▲ 0.50% · 4.625%
HK$32,981
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,658/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,061
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,059
−HK$1,013/mo
Today · 4.125%
HK$34,072
baseline
▲ 0.50% · 4.625%
HK$36,145
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,144/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,668
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,625
−HK$970/mo
Today · 4.125%
HK$37,595
baseline
▲ 0.50% · 4.625%
HK$39,577
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,190/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,405
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,568
−HK$1,183/mo
Today · 4.125%
HK$39,751
baseline
▲ 0.50% · 4.625%
HK$42,169
+HK$2,418/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$79,502/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,613
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,729
−HK$1,132/mo
Today · 4.125%
HK$43,861
baseline
▲ 0.50% · 4.625%
HK$46,173
+HK$2,312/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$87,722/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,092
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,588
−HK$1,520/mo
Today · 4.125%
HK$51,108
baseline
▲ 0.50% · 4.625%
HK$54,218
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,216/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,502
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,937
−HK$1,455/mo
Today · 4.125%
HK$56,392
baseline
▲ 0.50% · 4.625%
HK$59,365
+HK$2,973/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,784/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,388 · Scale 2, in force from 26 Feb 2026)