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$26,746
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,578
−HK$846/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$439,857 · 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$439,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,096
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,094
−HK$1,014/mo
Today · 4.125%
HK$34,108
baseline
▲ 0.50% · 4.625%
HK$36,184
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,216/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,706
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,664
−HK$971/mo
Today · 4.125%
HK$37,635
baseline
▲ 0.50% · 4.625%
HK$39,619
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,270/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,857 · 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$42,214
+HK$2,421/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$439,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,657
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,774
−HK$1,134/mo
Today · 4.125%
HK$43,908
baseline
▲ 0.50% · 4.625%
HK$46,222
+HK$2,314/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$439,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,143
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,641
−HK$1,521/mo
Today · 4.125%
HK$51,162
baseline
▲ 0.50% · 4.625%
HK$54,275
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,324/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,559
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,995
−HK$1,458/mo
Today · 4.125%
HK$56,453
baseline
▲ 0.50% · 4.625%
HK$59,428
+HK$2,975/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$439,857 · Scale 2, in force from 26 Feb 2026)