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$26,744
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,576
−HK$845/mo
Today · 4.125%
HK$28,421
baseline
▲ 0.50% · 4.625%
HK$30,150
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,842/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,752
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,550
−HK$810/mo
Today · 4.125%
HK$31,360
baseline
▲ 0.50% · 4.625%
HK$33,013
+HK$1,653/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,720/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,093
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,091
−HK$1,014/mo
Today · 4.125%
HK$34,105
baseline
▲ 0.50% · 4.625%
HK$36,180
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,210/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,703
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,660
−HK$972/mo
Today · 4.125%
HK$37,632
baseline
▲ 0.50% · 4.625%
HK$39,615
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,264/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,441
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,606
−HK$1,183/mo
Today · 4.125%
HK$39,789
baseline
▲ 0.50% · 4.625%
HK$42,210
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,578/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,653
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,770
−HK$1,134/mo
Today · 4.125%
HK$43,904
baseline
▲ 0.50% · 4.625%
HK$46,218
+HK$2,314/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,808/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,139
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,636
−HK$1,522/mo
Today · 4.125%
HK$51,158
baseline
▲ 0.50% · 4.625%
HK$54,270
+HK$3,112/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,316/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,554
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,990
−HK$1,457/mo
Today · 4.125%
HK$56,447
baseline
▲ 0.50% · 4.625%
HK$59,423
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,894/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,817 · Scale 2, in force from 26 Feb 2026)