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$26,711
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,542
−HK$844/mo
Today · 4.125%
HK$28,386
baseline
▲ 0.50% · 4.625%
HK$30,113
+HK$1,727/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,772/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,716
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,513
−HK$808/mo
Today · 4.125%
HK$31,321
baseline
▲ 0.50% · 4.625%
HK$32,972
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,642/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,053
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,050
−HK$1,013/mo
Today · 4.125%
HK$34,063
baseline
▲ 0.50% · 4.625%
HK$36,136
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,126/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,659
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,615
−HK$971/mo
Today · 4.125%
HK$37,586
baseline
▲ 0.50% · 4.625%
HK$39,567
+HK$1,981/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,172/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,396
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,559
−HK$1,182/mo
Today · 4.125%
HK$39,741
baseline
▲ 0.50% · 4.625%
HK$42,159
+HK$2,418/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,482/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,602
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,718
−HK$1,132/mo
Today · 4.125%
HK$43,850
baseline
▲ 0.50% · 4.625%
HK$46,161
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,700/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,080
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,575
−HK$1,520/mo
Today · 4.125%
HK$51,095
baseline
▲ 0.50% · 4.625%
HK$54,204
+HK$3,109/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,190/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,488
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,923
−HK$1,455/mo
Today · 4.125%
HK$56,378
baseline
▲ 0.50% · 4.625%
HK$59,350
+HK$2,972/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,756/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,278 · Scale 2, in force from 26 Feb 2026)