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$26,719
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,550
−HK$845/mo
Today · 4.125%
HK$28,395
baseline
▲ 0.50% · 4.625%
HK$30,123
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,790/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,725
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,522
−HK$809/mo
Today · 4.125%
HK$31,331
baseline
▲ 0.50% · 4.625%
HK$32,982
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,662/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,063
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,061
−HK$1,013/mo
Today · 4.125%
HK$34,074
baseline
▲ 0.50% · 4.625%
HK$36,147
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,148/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,670
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,627
−HK$970/mo
Today · 4.125%
HK$37,597
baseline
▲ 0.50% · 4.625%
HK$39,579
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,194/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,407
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,571
−HK$1,182/mo
Today · 4.125%
HK$39,753
baseline
▲ 0.50% · 4.625%
HK$42,172
+HK$2,419/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$79,506/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,615
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,731
−HK$1,132/mo
Today · 4.125%
HK$43,863
baseline
▲ 0.50% · 4.625%
HK$46,175
+HK$2,312/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$87,726/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,095
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,591
−HK$1,520/mo
Today · 4.125%
HK$51,111
baseline
▲ 0.50% · 4.625%
HK$54,221
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,222/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,505
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,940
−HK$1,456/mo
Today · 4.125%
HK$56,396
baseline
▲ 0.50% · 4.625%
HK$59,368
+HK$2,972/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,792/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,414 · Scale 2, in force from 26 Feb 2026)