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$26,707
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,538
−HK$844/mo
Today · 4.125%
HK$28,382
baseline
▲ 0.50% · 4.625%
HK$30,109
+HK$1,727/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,764/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,712
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,508
−HK$809/mo
Today · 4.125%
HK$31,317
baseline
▲ 0.50% · 4.625%
HK$32,968
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,634/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,049
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,046
−HK$1,012/mo
Today · 4.125%
HK$34,058
baseline
▲ 0.50% · 4.625%
HK$36,131
+HK$2,073/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$68,116/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,654
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,610
−HK$970/mo
Today · 4.125%
HK$37,580
baseline
▲ 0.50% · 4.625%
HK$39,561
+HK$1,981/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$75,160/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,390
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,553
−HK$1,182/mo
Today · 4.125%
HK$39,735
baseline
▲ 0.50% · 4.625%
HK$42,153
+HK$2,418/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,470/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,596
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,712
−HK$1,132/mo
Today · 4.125%
HK$43,844
baseline
▲ 0.50% · 4.625%
HK$46,155
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,688/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,073
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,568
−HK$1,520/mo
Today · 4.125%
HK$51,088
baseline
▲ 0.50% · 4.625%
HK$54,196
+HK$3,108/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,176/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,481
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,915
−HK$1,455/mo
Today · 4.125%
HK$56,370
baseline
▲ 0.50% · 4.625%
HK$59,342
+HK$2,972/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,740/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,216 · Scale 2, in force from 26 Feb 2026)