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$1,676/mo
▼ 0.25% · 3.875%
HK$27,549
−HK$845/mo
Today · 4.125%
HK$28,394
baseline
▲ 0.50% · 4.625%
HK$30,122
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,788/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,724
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,521
−HK$809/mo
Today · 4.125%
HK$31,330
baseline
▲ 0.50% · 4.625%
HK$32,981
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,660/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,062
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,059
−HK$1,014/mo
Today · 4.125%
HK$34,073
baseline
▲ 0.50% · 4.625%
HK$36,146
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,146/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,669
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,625
−HK$971/mo
Today · 4.125%
HK$37,596
baseline
▲ 0.50% · 4.625%
HK$39,578
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,192/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,406
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,569
−HK$1,182/mo
Today · 4.125%
HK$39,751
baseline
▲ 0.50% · 4.625%
HK$42,170
+HK$2,419/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$439,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,613
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,730
−HK$1,132/mo
Today · 4.125%
HK$43,862
baseline
▲ 0.50% · 4.625%
HK$46,174
+HK$2,312/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$87,724/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,093
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,589
−HK$1,520/mo
Today · 4.125%
HK$51,109
baseline
▲ 0.50% · 4.625%
HK$54,219
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,218/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,503
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,938
−HK$1,456/mo
Today · 4.125%
HK$56,394
baseline
▲ 0.50% · 4.625%
HK$59,366
+HK$2,972/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,788/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,398 · Scale 2, in force from 26 Feb 2026)