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$26,728
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,559
−HK$845/mo
Today · 4.125%
HK$28,404
baseline
▲ 0.50% · 4.625%
HK$30,132
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,808/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,735
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,532
−HK$809/mo
Today · 4.125%
HK$31,341
baseline
▲ 0.50% · 4.625%
HK$32,993
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,682/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,074
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,071
−HK$1,014/mo
Today · 4.125%
HK$34,085
baseline
▲ 0.50% · 4.625%
HK$36,159
+HK$2,074/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,170/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,682
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,639
−HK$970/mo
Today · 4.125%
HK$37,609
baseline
▲ 0.50% · 4.625%
HK$39,592
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,218/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,419
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,583
−HK$1,183/mo
Today · 4.125%
HK$39,766
baseline
▲ 0.50% · 4.625%
HK$42,185
+HK$2,419/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,532/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,628
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,745
−HK$1,133/mo
Today · 4.125%
HK$43,878
baseline
▲ 0.50% · 4.625%
HK$46,190
+HK$2,312/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,756/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,110
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,607
−HK$1,520/mo
Today · 4.125%
HK$51,127
baseline
▲ 0.50% · 4.625%
HK$54,238
+HK$3,111/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,254/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,522
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,958
−HK$1,456/mo
Today · 4.125%
HK$56,414
baseline
▲ 0.50% · 4.625%
HK$59,388
+HK$2,974/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,828/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,556 · Scale 2, in force from 26 Feb 2026)