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$26,750
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,582
−HK$845/mo
Today · 4.125%
HK$28,427
baseline
▲ 0.50% · 4.625%
HK$30,157
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,854/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,759
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,557
−HK$809/mo
Today · 4.125%
HK$31,366
baseline
▲ 0.50% · 4.625%
HK$33,020
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,732/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$439,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,098
−HK$1,014/mo
Today · 4.125%
HK$34,112
baseline
▲ 0.50% · 4.625%
HK$36,188
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,224/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,710
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,668
−HK$972/mo
Today · 4.125%
HK$37,640
baseline
▲ 0.50% · 4.625%
HK$39,624
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,280/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,449
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,614
−HK$1,184/mo
Today · 4.125%
HK$39,798
baseline
▲ 0.50% · 4.625%
HK$42,220
+HK$2,422/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,596/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,662
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,780
−HK$1,133/mo
Today · 4.125%
HK$43,913
baseline
▲ 0.50% · 4.625%
HK$46,228
+HK$2,315/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,826/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,149
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,647
−HK$1,522/mo
Today · 4.125%
HK$51,169
baseline
▲ 0.50% · 4.625%
HK$54,282
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,338/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,566
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,002
−HK$1,458/mo
Today · 4.125%
HK$56,460
baseline
▲ 0.50% · 4.625%
HK$59,436
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,920/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,912 · Scale 2, in force from 26 Feb 2026)