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$26,717
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,548
−HK$844/mo
Today · 4.125%
HK$28,392
baseline
▲ 0.50% · 4.625%
HK$30,120
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,784/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,722
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,520
−HK$808/mo
Today · 4.125%
HK$31,328
baseline
▲ 0.50% · 4.625%
HK$32,980
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,656/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,060
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,058
−HK$1,013/mo
Today · 4.125%
HK$34,071
baseline
▲ 0.50% · 4.625%
HK$36,144
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,142/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,667
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,623
−HK$971/mo
Today · 4.125%
HK$37,594
baseline
▲ 0.50% · 4.625%
HK$39,576
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,188/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,404
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,567
−HK$1,182/mo
Today · 4.125%
HK$39,749
baseline
▲ 0.50% · 4.625%
HK$42,168
+HK$2,419/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$79,498/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,611
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,727
−HK$1,133/mo
Today · 4.125%
HK$43,860
baseline
▲ 0.50% · 4.625%
HK$46,171
+HK$2,311/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$87,720/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,091
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,587
−HK$1,519/mo
Today · 4.125%
HK$51,106
baseline
▲ 0.50% · 4.625%
HK$54,216
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,212/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,500
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,935
−HK$1,456/mo
Today · 4.125%
HK$56,391
baseline
▲ 0.50% · 4.625%
HK$59,363
+HK$2,972/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,782/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,376 · Scale 2, in force from 26 Feb 2026)