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$26,706
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,536
−HK$844/mo
Today · 4.125%
HK$28,380
baseline
▲ 0.50% · 4.625%
HK$30,107
+HK$1,727/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,760/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,710
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,507
−HK$808/mo
Today · 4.125%
HK$31,315
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,630/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,047
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,044
−HK$1,012/mo
Today · 4.125%
HK$34,056
baseline
▲ 0.50% · 4.625%
HK$36,129
+HK$2,073/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$68,112/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,652
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,608
−HK$970/mo
Today · 4.125%
HK$37,578
baseline
▲ 0.50% · 4.625%
HK$39,559
+HK$1,981/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$75,156/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,388
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,551
−HK$1,182/mo
Today · 4.125%
HK$39,733
baseline
▲ 0.50% · 4.625%
HK$42,150
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,466/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,594
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,709
−HK$1,132/mo
Today · 4.125%
HK$43,841
baseline
▲ 0.50% · 4.625%
HK$46,152
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,682/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,070
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,566
−HK$1,519/mo
Today · 4.125%
HK$51,085
baseline
▲ 0.50% · 4.625%
HK$54,193
+HK$3,108/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,170/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,478
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,912
−HK$1,455/mo
Today · 4.125%
HK$56,367
baseline
▲ 0.50% · 4.625%
HK$59,338
+HK$2,971/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,734/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,189 · Scale 2, in force from 26 Feb 2026)