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$26,746
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,578
−HK$845/mo
Today · 4.125%
HK$28,423
baseline
▲ 0.50% · 4.625%
HK$30,152
+HK$1,729/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,846/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,754
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,552
−HK$810/mo
Today · 4.125%
HK$31,362
baseline
▲ 0.50% · 4.625%
HK$33,015
+HK$1,653/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,724/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,095
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,093
−HK$1,015/mo
Today · 4.125%
HK$34,108
baseline
▲ 0.50% · 4.625%
HK$36,183
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,216/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,705
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,663
−HK$971/mo
Today · 4.125%
HK$37,634
baseline
▲ 0.50% · 4.625%
HK$39,618
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,268/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,444
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,609
−HK$1,183/mo
Today · 4.125%
HK$39,792
baseline
▲ 0.50% · 4.625%
HK$42,213
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,584/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,656
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,773
−HK$1,134/mo
Today · 4.125%
HK$43,907
baseline
▲ 0.50% · 4.625%
HK$46,221
+HK$2,314/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,814/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,142
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,640
−HK$1,521/mo
Today · 4.125%
HK$51,161
baseline
▲ 0.50% · 4.625%
HK$54,274
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,322/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,558
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,994
−HK$1,457/mo
Today · 4.125%
HK$56,451
baseline
▲ 0.50% · 4.625%
HK$59,427
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,902/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,848 · Scale 2, in force from 26 Feb 2026)