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$26,715
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,546
−HK$844/mo
Today · 4.125%
HK$28,390
baseline
▲ 0.50% · 4.625%
HK$30,118
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,780/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,720
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,517
−HK$809/mo
Today · 4.125%
HK$31,326
baseline
▲ 0.50% · 4.625%
HK$32,977
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,652/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,058
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,055
−HK$1,013/mo
Today · 4.125%
HK$34,068
baseline
▲ 0.50% · 4.625%
HK$36,141
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,136/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,664
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,620
−HK$971/mo
Today · 4.125%
HK$37,591
baseline
▲ 0.50% · 4.625%
HK$39,572
+HK$1,981/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,182/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,401
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,564
−HK$1,182/mo
Today · 4.125%
HK$39,746
baseline
▲ 0.50% · 4.625%
HK$42,165
+HK$2,419/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,492/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,608
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,724
−HK$1,132/mo
Today · 4.125%
HK$43,856
baseline
▲ 0.50% · 4.625%
HK$46,168
+HK$2,312/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,712/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,087
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,582
−HK$1,520/mo
Today · 4.125%
HK$51,102
baseline
▲ 0.50% · 4.625%
HK$54,212
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,204/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,496
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,931
−HK$1,455/mo
Today · 4.125%
HK$56,386
baseline
▲ 0.50% · 4.625%
HK$59,358
+HK$2,972/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,772/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,339 · Scale 2, in force from 26 Feb 2026)