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$26,745
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,577
−HK$845/mo
Today · 4.125%
HK$28,422
baseline
▲ 0.50% · 4.625%
HK$30,151
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,844/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,753
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,551
−HK$810/mo
Today · 4.125%
HK$31,361
baseline
▲ 0.50% · 4.625%
HK$33,014
+HK$1,653/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,722/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,094
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,092
−HK$1,014/mo
Today · 4.125%
HK$34,106
baseline
▲ 0.50% · 4.625%
HK$36,182
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,212/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,704
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,662
−HK$971/mo
Today · 4.125%
HK$37,633
baseline
▲ 0.50% · 4.625%
HK$39,617
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,266/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,443
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,608
−HK$1,183/mo
Today · 4.125%
HK$39,791
baseline
▲ 0.50% · 4.625%
HK$42,212
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,582/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,655
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,772
−HK$1,133/mo
Today · 4.125%
HK$43,905
baseline
▲ 0.50% · 4.625%
HK$46,220
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,810/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,141
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,638
−HK$1,522/mo
Today · 4.125%
HK$51,160
baseline
▲ 0.50% · 4.625%
HK$54,273
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,320/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,556
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,993
−HK$1,457/mo
Today · 4.125%
HK$56,450
baseline
▲ 0.50% · 4.625%
HK$59,425
+HK$2,975/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,900/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,834 · Scale 2, in force from 26 Feb 2026)