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$26,712
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,543
−HK$844/mo
Today · 4.125%
HK$28,387
baseline
▲ 0.50% · 4.625%
HK$30,115
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,774/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,717
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,514
−HK$809/mo
Today · 4.125%
HK$31,323
baseline
▲ 0.50% · 4.625%
HK$32,974
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,646/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,055
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,052
−HK$1,013/mo
Today · 4.125%
HK$34,065
baseline
▲ 0.50% · 4.625%
HK$36,138
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,130/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,661
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,617
−HK$970/mo
Today · 4.125%
HK$37,587
baseline
▲ 0.50% · 4.625%
HK$39,569
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,174/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,397
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,561
−HK$1,181/mo
Today · 4.125%
HK$39,742
baseline
▲ 0.50% · 4.625%
HK$42,161
+HK$2,419/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,484/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,604
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,720
−HK$1,132/mo
Today · 4.125%
HK$43,852
baseline
▲ 0.50% · 4.625%
HK$46,163
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,704/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,082
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,578
−HK$1,519/mo
Today · 4.125%
HK$51,097
baseline
▲ 0.50% · 4.625%
HK$54,207
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,194/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,491
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,926
−HK$1,455/mo
Today · 4.125%
HK$56,381
baseline
▲ 0.50% · 4.625%
HK$59,353
+HK$2,972/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,762/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,299 · Scale 2, in force from 26 Feb 2026)