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$26,740
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,572
−HK$845/mo
Today · 4.125%
HK$28,417
baseline
▲ 0.50% · 4.625%
HK$30,146
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,834/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,749
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,546
−HK$810/mo
Today · 4.125%
HK$31,356
baseline
▲ 0.50% · 4.625%
HK$33,009
+HK$1,653/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,712/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,089
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,087
−HK$1,014/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$36,176
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,698
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,656
−HK$971/mo
Today · 4.125%
HK$37,627
baseline
▲ 0.50% · 4.625%
HK$39,610
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,254/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,437
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,601
−HK$1,183/mo
Today · 4.125%
HK$39,784
baseline
▲ 0.50% · 4.625%
HK$42,205
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,568/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,648
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,765
−HK$1,133/mo
Today · 4.125%
HK$43,898
baseline
▲ 0.50% · 4.625%
HK$46,212
+HK$2,314/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,796/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,133
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,630
−HK$1,521/mo
Today · 4.125%
HK$51,151
baseline
▲ 0.50% · 4.625%
HK$54,264
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,302/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,547
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,983
−HK$1,457/mo
Today · 4.125%
HK$56,440
baseline
▲ 0.50% · 4.625%
HK$59,415
+HK$2,975/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,880/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,762 · Scale 2, in force from 26 Feb 2026)