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$26,747
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,579
−HK$845/mo
Today · 4.125%
HK$28,424
baseline
▲ 0.50% · 4.625%
HK$30,153
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,848/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,755
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,553
−HK$810/mo
Today · 4.125%
HK$31,363
baseline
▲ 0.50% · 4.625%
HK$33,016
+HK$1,653/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,726/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,096
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,094
−HK$1,015/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$36,184
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,706
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,664
−HK$972/mo
Today · 4.125%
HK$37,636
baseline
▲ 0.50% · 4.625%
HK$39,619
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,272/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,445
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,610
−HK$1,183/mo
Today · 4.125%
HK$39,793
baseline
▲ 0.50% · 4.625%
HK$42,215
+HK$2,422/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,586/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,657
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,775
−HK$1,133/mo
Today · 4.125%
HK$43,908
baseline
▲ 0.50% · 4.625%
HK$46,223
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,816/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,144
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,641
−HK$1,522/mo
Today · 4.125%
HK$51,163
baseline
▲ 0.50% · 4.625%
HK$54,276
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,326/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,560
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,996
−HK$1,457/mo
Today · 4.125%
HK$56,453
baseline
▲ 0.50% · 4.625%
HK$59,429
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,906/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,863 · Scale 2, in force from 26 Feb 2026)