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$26,725
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,557
−HK$844/mo
Today · 4.125%
HK$28,401
baseline
▲ 0.50% · 4.625%
HK$30,129
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,802/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,732
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,529
−HK$809/mo
Today · 4.125%
HK$31,338
baseline
▲ 0.50% · 4.625%
HK$32,990
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,676/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,070
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,068
−HK$1,013/mo
Today · 4.125%
HK$34,081
baseline
▲ 0.50% · 4.625%
HK$36,155
+HK$2,074/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,162/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,678
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,635
−HK$971/mo
Today · 4.125%
HK$37,606
baseline
▲ 0.50% · 4.625%
HK$39,588
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,212/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,415
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,579
−HK$1,183/mo
Today · 4.125%
HK$39,762
baseline
▲ 0.50% · 4.625%
HK$42,181
+HK$2,419/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$79,524/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,624
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,741
−HK$1,132/mo
Today · 4.125%
HK$43,873
baseline
▲ 0.50% · 4.625%
HK$46,186
+HK$2,313/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$87,746/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,106
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,602
−HK$1,520/mo
Today · 4.125%
HK$51,122
baseline
▲ 0.50% · 4.625%
HK$54,233
+HK$3,111/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,244/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,517
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,952
−HK$1,456/mo
Today · 4.125%
HK$56,408
baseline
▲ 0.50% · 4.625%
HK$59,382
+HK$2,974/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,816/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,512 · Scale 2, in force from 26 Feb 2026)