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$30,124
+HK$1,727/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$439,439 · 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$32,984
+HK$1,651/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$439,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,065
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,062
−HK$1,014/mo
Today · 4.125%
HK$34,076
baseline
▲ 0.50% · 4.625%
HK$36,149
+HK$2,073/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$439,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,672
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,629
−HK$970/mo
Today · 4.125%
HK$37,599
baseline
▲ 0.50% · 4.625%
HK$39,581
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,198/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,409
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,573
−HK$1,182/mo
Today · 4.125%
HK$39,755
baseline
▲ 0.50% · 4.625%
HK$42,174
+HK$2,419/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$79,510/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,617
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,734
−HK$1,132/mo
Today · 4.125%
HK$43,866
baseline
▲ 0.50% · 4.625%
HK$46,178
+HK$2,312/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$87,732/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,098
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,594
−HK$1,520/mo
Today · 4.125%
HK$51,114
baseline
▲ 0.50% · 4.625%
HK$54,224
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,228/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,508
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,943
−HK$1,456/mo
Today · 4.125%
HK$56,399
baseline
▲ 0.50% · 4.625%
HK$59,372
+HK$2,973/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,798/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,439 · Scale 2, in force from 26 Feb 2026)