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$26,712
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,543
−HK$844/mo
Today · 4.125%
HK$28,387
baseline
▲ 0.50% · 4.625%
HK$30,114
+HK$1,727/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,774/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,717
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,514
−HK$808/mo
Today · 4.125%
HK$31,322
baseline
▲ 0.50% · 4.625%
HK$32,973
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,644/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,054
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,051
−HK$1,013/mo
Today · 4.125%
HK$34,064
baseline
▲ 0.50% · 4.625%
HK$36,137
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,128/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,660
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,616
−HK$971/mo
Today · 4.125%
HK$37,587
baseline
▲ 0.50% · 4.625%
HK$39,568
+HK$1,981/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,174/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,397
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,560
−HK$1,182/mo
Today · 4.125%
HK$39,742
baseline
▲ 0.50% · 4.625%
HK$42,160
+HK$2,418/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,484/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,603
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,719
−HK$1,132/mo
Today · 4.125%
HK$43,851
baseline
▲ 0.50% · 4.625%
HK$46,163
+HK$2,312/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,702/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,081
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,577
−HK$1,520/mo
Today · 4.125%
HK$51,097
baseline
▲ 0.50% · 4.625%
HK$54,206
+HK$3,109/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,194/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,490
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,925
−HK$1,455/mo
Today · 4.125%
HK$56,380
baseline
▲ 0.50% · 4.625%
HK$59,352
+HK$2,972/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,760/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,291 · Scale 2, in force from 26 Feb 2026)