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$26,754
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,587
−HK$845/mo
Today · 4.125%
HK$28,432
baseline
▲ 0.50% · 4.625%
HK$30,162
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,864/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,764
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,562
−HK$810/mo
Today · 4.125%
HK$31,372
baseline
▲ 0.50% · 4.625%
HK$33,026
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,744/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,105
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,104
−HK$1,015/mo
Today · 4.125%
HK$34,119
baseline
▲ 0.50% · 4.625%
HK$36,195
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,238/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,717
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,675
−HK$972/mo
Today · 4.125%
HK$37,647
baseline
▲ 0.50% · 4.625%
HK$39,631
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,294/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,456
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,621
−HK$1,184/mo
Today · 4.125%
HK$39,805
baseline
▲ 0.50% · 4.625%
HK$42,227
+HK$2,422/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,610/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,670
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,787
−HK$1,134/mo
Today · 4.125%
HK$43,921
baseline
▲ 0.50% · 4.625%
HK$46,236
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,842/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,158
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,656
−HK$1,522/mo
Today · 4.125%
HK$51,178
baseline
▲ 0.50% · 4.625%
HK$54,292
+HK$3,114/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,356/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,575
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,012
−HK$1,458/mo
Today · 4.125%
HK$56,470
baseline
▲ 0.50% · 4.625%
HK$59,447
+HK$2,977/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,940/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,992 · Scale 2, in force from 26 Feb 2026)