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$26,749
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,581
−HK$845/mo
Today · 4.125%
HK$28,426
baseline
▲ 0.50% · 4.625%
HK$30,156
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,852/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,757
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,556
−HK$809/mo
Today · 4.125%
HK$31,365
baseline
▲ 0.50% · 4.625%
HK$33,018
+HK$1,653/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,730/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,098
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$1,014/mo
Today · 4.125%
HK$34,111
baseline
▲ 0.50% · 4.625%
HK$36,187
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,222/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,709
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,667
−HK$971/mo
Today · 4.125%
HK$37,638
baseline
▲ 0.50% · 4.625%
HK$39,622
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,276/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,448
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,613
−HK$1,183/mo
Today · 4.125%
HK$39,796
baseline
▲ 0.50% · 4.625%
HK$42,218
+HK$2,422/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,592/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,660
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,778
−HK$1,133/mo
Today · 4.125%
HK$43,911
baseline
▲ 0.50% · 4.625%
HK$46,226
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,822/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,147
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,645
−HK$1,522/mo
Today · 4.125%
HK$51,167
baseline
▲ 0.50% · 4.625%
HK$54,280
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,334/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,563
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,000
−HK$1,457/mo
Today · 4.125%
HK$56,457
baseline
▲ 0.50% · 4.625%
HK$59,433
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,914/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,894 · Scale 2, in force from 26 Feb 2026)