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$26,716
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,547
−HK$844/mo
Today · 4.125%
HK$28,391
baseline
▲ 0.50% · 4.625%
HK$30,119
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,782/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,721
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,518
−HK$809/mo
Today · 4.125%
HK$31,327
baseline
▲ 0.50% · 4.625%
HK$32,978
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,654/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,059
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,056
−HK$1,013/mo
Today · 4.125%
HK$34,069
baseline
▲ 0.50% · 4.625%
HK$36,142
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,138/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,665
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,622
−HK$970/mo
Today · 4.125%
HK$37,592
baseline
▲ 0.50% · 4.625%
HK$39,574
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,184/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,402
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,566
−HK$1,182/mo
Today · 4.125%
HK$39,748
baseline
▲ 0.50% · 4.625%
HK$42,166
+HK$2,418/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,496/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,609
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,725
−HK$1,133/mo
Today · 4.125%
HK$43,858
baseline
▲ 0.50% · 4.625%
HK$46,169
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,716/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,088
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,584
−HK$1,520/mo
Today · 4.125%
HK$51,104
baseline
▲ 0.50% · 4.625%
HK$54,214
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,208/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,498
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,933
−HK$1,455/mo
Today · 4.125%
HK$56,388
baseline
▲ 0.50% · 4.625%
HK$59,361
+HK$2,973/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,776/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,356 · Scale 2, in force from 26 Feb 2026)