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$26,736
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,568
−HK$845/mo
Today · 4.125%
HK$28,413
baseline
▲ 0.50% · 4.625%
HK$30,142
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,826/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,744
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,541
−HK$810/mo
Today · 4.125%
HK$31,351
baseline
▲ 0.50% · 4.625%
HK$33,003
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,702/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,083
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,081
−HK$1,014/mo
Today · 4.125%
HK$34,095
baseline
▲ 0.50% · 4.625%
HK$36,170
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,190/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,692
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,650
−HK$971/mo
Today · 4.125%
HK$37,621
baseline
▲ 0.50% · 4.625%
HK$39,604
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,242/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,431
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,595
−HK$1,183/mo
Today · 4.125%
HK$39,778
baseline
▲ 0.50% · 4.625%
HK$42,198
+HK$2,420/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,556/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,641
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$42,758
−HK$1,133/mo
Today · 4.125%
HK$43,891
baseline
▲ 0.50% · 4.625%
HK$46,205
+HK$2,314/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,782/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,125
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,622
−HK$1,521/mo
Today · 4.125%
HK$51,143
baseline
▲ 0.50% · 4.625%
HK$54,255
+HK$3,112/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,286/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,539
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,975
−HK$1,456/mo
Today · 4.125%
HK$56,431
baseline
▲ 0.50% · 4.625%
HK$59,406
+HK$2,975/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,862/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,691 · Scale 2, in force from 26 Feb 2026)