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$26,729
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,560
−HK$845/mo
Today · 4.125%
HK$28,405
baseline
▲ 0.50% · 4.625%
HK$30,133
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,810/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,735
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,533
−HK$809/mo
Today · 4.125%
HK$31,342
baseline
▲ 0.50% · 4.625%
HK$32,994
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,684/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,074
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,072
−HK$1,014/mo
Today · 4.125%
HK$34,086
baseline
▲ 0.50% · 4.625%
HK$36,160
+HK$2,074/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,172/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,682
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,639
−HK$971/mo
Today · 4.125%
HK$37,610
baseline
▲ 0.50% · 4.625%
HK$39,593
+HK$1,983/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,220/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,420
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$38,584
−HK$1,183/mo
Today · 4.125%
HK$39,767
baseline
▲ 0.50% · 4.625%
HK$42,186
+HK$2,419/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,534/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,629
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$42,746
−HK$1,132/mo
Today · 4.125%
HK$43,878
baseline
▲ 0.50% · 4.625%
HK$46,191
+HK$2,313/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,756/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,111
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,608
−HK$1,520/mo
Today · 4.125%
HK$51,128
baseline
▲ 0.50% · 4.625%
HK$54,239
+HK$3,111/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,256/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,523
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,959
−HK$1,456/mo
Today · 4.125%
HK$56,415
baseline
▲ 0.50% · 4.625%
HK$59,389
+HK$2,974/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,830/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,565 · Scale 2, in force from 26 Feb 2026)