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$26,735
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,567
−HK$844/mo
Today · 4.125%
HK$28,411
baseline
▲ 0.50% · 4.625%
HK$30,140
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,822/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,742
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,540
−HK$809/mo
Today · 4.125%
HK$31,349
baseline
▲ 0.50% · 4.625%
HK$33,002
+HK$1,653/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,698/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,082
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,080
−HK$1,014/mo
Today · 4.125%
HK$34,094
baseline
▲ 0.50% · 4.625%
HK$36,168
+HK$2,074/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,188/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,691
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,648
−HK$971/mo
Today · 4.125%
HK$37,619
baseline
▲ 0.50% · 4.625%
HK$39,602
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,238/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,429
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,593
−HK$1,183/mo
Today · 4.125%
HK$39,776
baseline
▲ 0.50% · 4.625%
HK$42,196
+HK$2,420/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,552/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,639
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,756
−HK$1,133/mo
Today · 4.125%
HK$43,889
baseline
▲ 0.50% · 4.625%
HK$46,202
+HK$2,313/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,778/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,123
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,620
−HK$1,521/mo
Today · 4.125%
HK$51,141
baseline
▲ 0.50% · 4.625%
HK$54,252
+HK$3,111/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,282/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,536
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,972
−HK$1,457/mo
Today · 4.125%
HK$56,429
baseline
▲ 0.50% · 4.625%
HK$59,403
+HK$2,974/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,858/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,670 · Scale 2, in force from 26 Feb 2026)