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$26,730
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,562
−HK$844/mo
Today · 4.125%
HK$28,406
baseline
▲ 0.50% · 4.625%
HK$30,135
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,812/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,737
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,535
−HK$809/mo
Today · 4.125%
HK$31,344
baseline
▲ 0.50% · 4.625%
HK$32,996
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,688/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,076
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,074
−HK$1,014/mo
Today · 4.125%
HK$34,088
baseline
▲ 0.50% · 4.625%
HK$36,162
+HK$2,074/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,176/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,684
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,641
−HK$971/mo
Today · 4.125%
HK$37,612
baseline
▲ 0.50% · 4.625%
HK$39,595
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,224/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,422
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,586
−HK$1,183/mo
Today · 4.125%
HK$39,769
baseline
▲ 0.50% · 4.625%
HK$42,189
+HK$2,420/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,538/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,632
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,748
−HK$1,133/mo
Today · 4.125%
HK$43,881
baseline
▲ 0.50% · 4.625%
HK$46,194
+HK$2,313/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,762/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,114
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,611
−HK$1,520/mo
Today · 4.125%
HK$51,131
baseline
▲ 0.50% · 4.625%
HK$54,243
+HK$3,112/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,262/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,527
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,962
−HK$1,456/mo
Today · 4.125%
HK$56,418
baseline
▲ 0.50% · 4.625%
HK$59,392
+HK$2,974/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,836/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,591 · Scale 2, in force from 26 Feb 2026)