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$26,734
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,565
−HK$845/mo
Today · 4.125%
HK$28,410
baseline
▲ 0.50% · 4.625%
HK$30,139
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,820/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,741
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,539
−HK$809/mo
Today · 4.125%
HK$31,348
baseline
▲ 0.50% · 4.625%
HK$33,000
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,696/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,081
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,079
−HK$1,013/mo
Today · 4.125%
HK$34,092
baseline
▲ 0.50% · 4.625%
HK$36,167
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,184/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,689
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,647
−HK$971/mo
Today · 4.125%
HK$37,618
baseline
▲ 0.50% · 4.625%
HK$39,600
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,236/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,427
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,592
−HK$1,182/mo
Today · 4.125%
HK$39,774
baseline
▲ 0.50% · 4.625%
HK$42,195
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,548/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,638
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,754
−HK$1,133/mo
Today · 4.125%
HK$43,887
baseline
▲ 0.50% · 4.625%
HK$46,200
+HK$2,313/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,774/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,121
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,618
−HK$1,521/mo
Today · 4.125%
HK$51,139
baseline
▲ 0.50% · 4.625%
HK$54,250
+HK$3,111/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,278/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,534
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,970
−HK$1,456/mo
Today · 4.125%
HK$56,426
baseline
▲ 0.50% · 4.625%
HK$59,401
+HK$2,975/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,852/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,652 · Scale 2, in force from 26 Feb 2026)