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$1,675/mo
▼ 0.25% · 3.875%
HK$27,537
−HK$844/mo
Today · 4.125%
HK$28,381
baseline
▲ 0.50% · 4.625%
HK$30,108
+HK$1,727/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,762/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,710
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,507
−HK$809/mo
Today · 4.125%
HK$31,316
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,650/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,632/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,048
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,044
−HK$1,013/mo
Today · 4.125%
HK$34,057
baseline
▲ 0.50% · 4.625%
HK$36,129
+HK$2,072/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$68,114/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,653
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,609
−HK$970/mo
Today · 4.125%
HK$37,579
baseline
▲ 0.50% · 4.625%
HK$39,560
+HK$1,981/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$75,158/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,389
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,552
−HK$1,181/mo
Today · 4.125%
HK$39,733
baseline
▲ 0.50% · 4.625%
HK$42,151
+HK$2,418/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$439,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,595
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,710
−HK$1,132/mo
Today · 4.125%
HK$43,842
baseline
▲ 0.50% · 4.625%
HK$46,153
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,684/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,071
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,567
−HK$1,519/mo
Today · 4.125%
HK$51,086
baseline
▲ 0.50% · 4.625%
HK$54,194
+HK$3,108/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,172/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,479
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,913
−HK$1,455/mo
Today · 4.125%
HK$56,368
baseline
▲ 0.50% · 4.625%
HK$59,339
+HK$2,971/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,736/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,199 · Scale 2, in force from 26 Feb 2026)