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$26,724
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,555
−HK$844/mo
Today · 4.125%
HK$28,399
baseline
▲ 0.50% · 4.625%
HK$30,127
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,798/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,730
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,527
−HK$809/mo
Today · 4.125%
HK$31,336
baseline
▲ 0.50% · 4.625%
HK$32,988
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,672/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,068
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,066
−HK$1,013/mo
Today · 4.125%
HK$34,079
baseline
▲ 0.50% · 4.625%
HK$36,153
+HK$2,074/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,158/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,676
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,633
−HK$970/mo
Today · 4.125%
HK$37,603
baseline
▲ 0.50% · 4.625%
HK$39,585
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,206/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,413
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,577
−HK$1,182/mo
Today · 4.125%
HK$39,759
baseline
▲ 0.50% · 4.625%
HK$42,178
+HK$2,419/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$79,518/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,622
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,738
−HK$1,132/mo
Today · 4.125%
HK$43,870
baseline
▲ 0.50% · 4.625%
HK$46,183
+HK$2,313/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$87,740/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,103
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,599
−HK$1,520/mo
Today · 4.125%
HK$51,119
baseline
▲ 0.50% · 4.625%
HK$54,229
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,238/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,514
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,949
−HK$1,456/mo
Today · 4.125%
HK$56,405
baseline
▲ 0.50% · 4.625%
HK$59,378
+HK$2,973/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,810/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,485 · Scale 2, in force from 26 Feb 2026)