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$26,721
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,552
−HK$845/mo
Today · 4.125%
HK$28,397
baseline
▲ 0.50% · 4.625%
HK$30,125
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,794/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,727
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,524
−HK$809/mo
Today · 4.125%
HK$31,333
baseline
▲ 0.50% · 4.625%
HK$32,985
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,666/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,066
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,063
−HK$1,013/mo
Today · 4.125%
HK$34,076
baseline
▲ 0.50% · 4.625%
HK$36,150
+HK$2,074/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,152/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,673
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,629
−HK$971/mo
Today · 4.125%
HK$37,600
baseline
▲ 0.50% · 4.625%
HK$39,582
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,200/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,410
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,573
−HK$1,183/mo
Today · 4.125%
HK$39,756
baseline
▲ 0.50% · 4.625%
HK$42,175
+HK$2,419/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$79,512/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,618
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,734
−HK$1,133/mo
Today · 4.125%
HK$43,867
baseline
▲ 0.50% · 4.625%
HK$46,179
+HK$2,312/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$87,734/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,098
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,594
−HK$1,521/mo
Today · 4.125%
HK$51,115
baseline
▲ 0.50% · 4.625%
HK$54,225
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,230/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,509
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,944
−HK$1,456/mo
Today · 4.125%
HK$56,400
baseline
▲ 0.50% · 4.625%
HK$59,373
+HK$2,973/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,800/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,446 · Scale 2, in force from 26 Feb 2026)