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$26,753
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,585
−HK$845/mo
Today · 4.125%
HK$28,430
baseline
▲ 0.50% · 4.625%
HK$30,160
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,860/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,762
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,560
−HK$810/mo
Today · 4.125%
HK$31,370
baseline
▲ 0.50% · 4.625%
HK$33,024
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,740/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,103
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,102
−HK$1,014/mo
Today · 4.125%
HK$34,116
baseline
▲ 0.50% · 4.625%
HK$36,192
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,232/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,714
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,672
−HK$972/mo
Today · 4.125%
HK$37,644
baseline
▲ 0.50% · 4.625%
HK$39,628
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,288/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,454
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,619
−HK$1,183/mo
Today · 4.125%
HK$39,802
baseline
▲ 0.50% · 4.625%
HK$42,224
+HK$2,422/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,604/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,667
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,784
−HK$1,134/mo
Today · 4.125%
HK$43,918
baseline
▲ 0.50% · 4.625%
HK$46,233
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,836/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,155
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,653
−HK$1,522/mo
Today · 4.125%
HK$51,175
baseline
▲ 0.50% · 4.625%
HK$54,288
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,350/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,572
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,008
−HK$1,458/mo
Today · 4.125%
HK$56,466
baseline
▲ 0.50% · 4.625%
HK$59,442
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,932/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,962 · Scale 2, in force from 26 Feb 2026)