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$26,720
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,551
−HK$844/mo
Today · 4.125%
HK$28,395
baseline
▲ 0.50% · 4.625%
HK$30,123
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,790/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,726
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,523
−HK$809/mo
Today · 4.125%
HK$31,332
baseline
▲ 0.50% · 4.625%
HK$32,983
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,664/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,064
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,061
−HK$1,014/mo
Today · 4.125%
HK$34,075
baseline
▲ 0.50% · 4.625%
HK$36,148
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,150/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,671
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,627
−HK$971/mo
Today · 4.125%
HK$37,598
baseline
▲ 0.50% · 4.625%
HK$39,580
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,196/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,408
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,571
−HK$1,183/mo
Today · 4.125%
HK$39,754
baseline
▲ 0.50% · 4.625%
HK$42,173
+HK$2,419/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$79,508/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,616
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,732
−HK$1,132/mo
Today · 4.125%
HK$43,864
baseline
▲ 0.50% · 4.625%
HK$46,176
+HK$2,312/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$87,728/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,096
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,592
−HK$1,520/mo
Today · 4.125%
HK$51,112
baseline
▲ 0.50% · 4.625%
HK$54,222
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,224/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,506
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,941
−HK$1,456/mo
Today · 4.125%
HK$56,397
baseline
▲ 0.50% · 4.625%
HK$59,370
+HK$2,973/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,794/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,422 · Scale 2, in force from 26 Feb 2026)