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$1,677/mo
▼ 0.25% · 3.875%
HK$27,582
−HK$845/mo
Today · 4.125%
HK$28,427
baseline
▲ 0.50% · 4.625%
HK$30,157
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,854/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,759
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,557
−HK$810/mo
Today · 4.125%
HK$31,367
baseline
▲ 0.50% · 4.625%
HK$33,020
+HK$1,653/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$439,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,098
−HK$1,015/mo
Today · 4.125%
HK$34,113
baseline
▲ 0.50% · 4.625%
HK$36,188
+HK$2,075/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$439,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,711
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,668
−HK$972/mo
Today · 4.125%
HK$37,640
baseline
▲ 0.50% · 4.625%
HK$39,624
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,280/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,450
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,615
−HK$1,183/mo
Today · 4.125%
HK$39,798
baseline
▲ 0.50% · 4.625%
HK$42,220
+HK$2,422/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,596/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,662
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,780
−HK$1,133/mo
Today · 4.125%
HK$43,913
baseline
▲ 0.50% · 4.625%
HK$46,228
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,826/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,150
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,647
−HK$1,522/mo
Today · 4.125%
HK$51,169
baseline
▲ 0.50% · 4.625%
HK$54,283
+HK$3,114/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,338/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,566
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,003
−HK$1,457/mo
Today · 4.125%
HK$56,460
baseline
▲ 0.50% · 4.625%
HK$59,436
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,920/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,914 · Scale 2, in force from 26 Feb 2026)