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$26,737
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,569
−HK$845/mo
Today · 4.125%
HK$28,414
baseline
▲ 0.50% · 4.625%
HK$30,143
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,828/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,745
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,542
−HK$810/mo
Today · 4.125%
HK$31,352
baseline
▲ 0.50% · 4.625%
HK$33,004
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,704/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,084
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,082
−HK$1,014/mo
Today · 4.125%
HK$34,096
baseline
▲ 0.50% · 4.625%
HK$36,171
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,192/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,694
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,651
−HK$971/mo
Today · 4.125%
HK$37,622
baseline
▲ 0.50% · 4.625%
HK$39,605
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,244/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,432
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,596
−HK$1,183/mo
Today · 4.125%
HK$39,779
baseline
▲ 0.50% · 4.625%
HK$42,200
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,558/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,643
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,759
−HK$1,133/mo
Today · 4.125%
HK$43,892
baseline
▲ 0.50% · 4.625%
HK$46,206
+HK$2,314/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,784/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,127
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,624
−HK$1,521/mo
Today · 4.125%
HK$51,145
baseline
▲ 0.50% · 4.625%
HK$54,257
+HK$3,112/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,290/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,540
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,976
−HK$1,457/mo
Today · 4.125%
HK$56,433
baseline
▲ 0.50% · 4.625%
HK$59,408
+HK$2,975/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,866/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,704 · Scale 2, in force from 26 Feb 2026)