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$26,744
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,576
−HK$846/mo
Today · 4.125%
HK$28,422
baseline
▲ 0.50% · 4.625%
HK$30,151
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,844/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,753
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,551
−HK$809/mo
Today · 4.125%
HK$31,360
baseline
▲ 0.50% · 4.625%
HK$33,013
+HK$1,653/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,720/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,093
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,092
−HK$1,014/mo
Today · 4.125%
HK$34,106
baseline
▲ 0.50% · 4.625%
HK$36,181
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,212/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,704
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,661
−HK$971/mo
Today · 4.125%
HK$37,632
baseline
▲ 0.50% · 4.625%
HK$39,616
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,264/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,442
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,607
−HK$1,183/mo
Today · 4.125%
HK$39,790
baseline
▲ 0.50% · 4.625%
HK$42,211
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,580/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,654
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,771
−HK$1,134/mo
Today · 4.125%
HK$43,905
baseline
▲ 0.50% · 4.625%
HK$46,219
+HK$2,314/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,810/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,140
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,637
−HK$1,522/mo
Today · 4.125%
HK$51,159
baseline
▲ 0.50% · 4.625%
HK$54,272
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,318/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,555
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,992
−HK$1,457/mo
Today · 4.125%
HK$56,449
baseline
▲ 0.50% · 4.625%
HK$59,424
+HK$2,975/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,898/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,827 · Scale 2, in force from 26 Feb 2026)