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$26,723
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,554
−HK$844/mo
Today · 4.125%
HK$28,398
baseline
▲ 0.50% · 4.625%
HK$30,126
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,796/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,729
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,526
−HK$809/mo
Today · 4.125%
HK$31,335
baseline
▲ 0.50% · 4.625%
HK$32,987
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,670/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,067
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,065
−HK$1,013/mo
Today · 4.125%
HK$34,078
baseline
▲ 0.50% · 4.625%
HK$36,152
+HK$2,074/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,156/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,674
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,631
−HK$971/mo
Today · 4.125%
HK$37,602
baseline
▲ 0.50% · 4.625%
HK$39,584
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,204/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,412
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,575
−HK$1,183/mo
Today · 4.125%
HK$39,758
baseline
▲ 0.50% · 4.625%
HK$42,177
+HK$2,419/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$79,516/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,620
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,736
−HK$1,133/mo
Today · 4.125%
HK$43,869
baseline
▲ 0.50% · 4.625%
HK$46,181
+HK$2,312/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$87,738/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,101
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,597
−HK$1,520/mo
Today · 4.125%
HK$51,117
baseline
▲ 0.50% · 4.625%
HK$54,228
+HK$3,111/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,234/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,512
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,947
−HK$1,456/mo
Today · 4.125%
HK$56,403
baseline
▲ 0.50% · 4.625%
HK$59,376
+HK$2,973/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,806/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,469 · Scale 2, in force from 26 Feb 2026)