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$26,751
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,584
−HK$845/mo
Today · 4.125%
HK$28,429
baseline
▲ 0.50% · 4.625%
HK$30,159
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,858/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,761
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,559
−HK$810/mo
Today · 4.125%
HK$31,369
baseline
▲ 0.50% · 4.625%
HK$33,022
+HK$1,653/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,738/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,102
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,100
−HK$1,015/mo
Today · 4.125%
HK$34,115
baseline
▲ 0.50% · 4.625%
HK$36,191
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,230/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,713
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,671
−HK$971/mo
Today · 4.125%
HK$37,642
baseline
▲ 0.50% · 4.625%
HK$39,626
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,284/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,452
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,617
−HK$1,184/mo
Today · 4.125%
HK$39,801
baseline
▲ 0.50% · 4.625%
HK$42,222
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,602/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,665
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,782
−HK$1,134/mo
Today · 4.125%
HK$43,916
baseline
▲ 0.50% · 4.625%
HK$46,231
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,832/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,153
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,650
−HK$1,522/mo
Today · 4.125%
HK$51,172
baseline
▲ 0.50% · 4.625%
HK$54,286
+HK$3,114/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,344/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,569
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,006
−HK$1,457/mo
Today · 4.125%
HK$56,463
baseline
▲ 0.50% · 4.625%
HK$59,440
+HK$2,977/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,926/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,942 · Scale 2, in force from 26 Feb 2026)