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$26,746
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,578
−HK$845/mo
Today · 4.125%
HK$28,423
baseline
▲ 0.50% · 4.625%
HK$30,153
+HK$1,730/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,846/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,755
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,553
−HK$809/mo
Today · 4.125%
HK$31,362
baseline
▲ 0.50% · 4.625%
HK$33,015
+HK$1,653/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,724/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,095
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,094
−HK$1,014/mo
Today · 4.125%
HK$34,108
baseline
▲ 0.50% · 4.625%
HK$36,183
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,216/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,706
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,663
−HK$972/mo
Today · 4.125%
HK$37,635
baseline
▲ 0.50% · 4.625%
HK$39,619
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,270/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,445
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,609
−HK$1,184/mo
Today · 4.125%
HK$39,793
baseline
▲ 0.50% · 4.625%
HK$42,214
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,586/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,657
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,774
−HK$1,133/mo
Today · 4.125%
HK$43,907
baseline
▲ 0.50% · 4.625%
HK$46,222
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,814/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,143
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,641
−HK$1,521/mo
Today · 4.125%
HK$51,162
baseline
▲ 0.50% · 4.625%
HK$54,275
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,324/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,559
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,995
−HK$1,457/mo
Today · 4.125%
HK$56,452
baseline
▲ 0.50% · 4.625%
HK$59,428
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,904/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,854 · Scale 2, in force from 26 Feb 2026)