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$26,749
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,581
−HK$845/mo
Today · 4.125%
HK$28,426
baseline
▲ 0.50% · 4.625%
HK$30,156
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,852/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,758
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,556
−HK$810/mo
Today · 4.125%
HK$31,366
baseline
▲ 0.50% · 4.625%
HK$33,019
+HK$1,653/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,732/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,099
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$1,015/mo
Today · 4.125%
HK$34,112
baseline
▲ 0.50% · 4.625%
HK$36,187
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,224/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,710
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,667
−HK$972/mo
Today · 4.125%
HK$37,639
baseline
▲ 0.50% · 4.625%
HK$39,623
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,278/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,449
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,613
−HK$1,184/mo
Today · 4.125%
HK$39,797
baseline
▲ 0.50% · 4.625%
HK$42,219
+HK$2,422/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,594/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,661
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,779
−HK$1,133/mo
Today · 4.125%
HK$43,912
baseline
▲ 0.50% · 4.625%
HK$46,227
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,824/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,148
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,646
−HK$1,522/mo
Today · 4.125%
HK$51,168
baseline
▲ 0.50% · 4.625%
HK$54,281
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,336/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,564
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,001
−HK$1,457/mo
Today · 4.125%
HK$56,458
baseline
▲ 0.50% · 4.625%
HK$59,434
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,916/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,902 · Scale 2, in force from 26 Feb 2026)