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$26,703
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,534
−HK$844/mo
Today · 4.125%
HK$28,378
baseline
▲ 0.50% · 4.625%
HK$30,104
+HK$1,726/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,756/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,707
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,504
−HK$808/mo
Today · 4.125%
HK$31,312
baseline
▲ 0.50% · 4.625%
HK$32,963
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,624/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,044
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,041
−HK$1,012/mo
Today · 4.125%
HK$34,053
baseline
▲ 0.50% · 4.625%
HK$36,125
+HK$2,072/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$68,106/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,648
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,605
−HK$969/mo
Today · 4.125%
HK$37,574
baseline
▲ 0.50% · 4.625%
HK$39,555
+HK$1,981/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$75,148/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,385
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,547
−HK$1,182/mo
Today · 4.125%
HK$39,729
baseline
▲ 0.50% · 4.625%
HK$42,146
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,458/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,590
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,705
−HK$1,132/mo
Today · 4.125%
HK$43,837
baseline
▲ 0.50% · 4.625%
HK$46,148
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,674/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,066
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,561
−HK$1,519/mo
Today · 4.125%
HK$51,080
baseline
▲ 0.50% · 4.625%
HK$54,188
+HK$3,108/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,160/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,473
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,907
−HK$1,455/mo
Today · 4.125%
HK$56,362
baseline
▲ 0.50% · 4.625%
HK$59,333
+HK$2,971/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,724/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,149 · Scale 2, in force from 26 Feb 2026)