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$26,719
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,550
−HK$844/mo
Today · 4.125%
HK$28,394
baseline
▲ 0.50% · 4.625%
HK$30,122
+HK$1,728/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,788/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,724
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,522
−HK$808/mo
Today · 4.125%
HK$31,330
baseline
▲ 0.50% · 4.625%
HK$32,982
+HK$1,652/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,660/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,063
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,060
−HK$1,013/mo
Today · 4.125%
HK$34,073
baseline
▲ 0.50% · 4.625%
HK$36,146
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,146/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,669
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,626
−HK$970/mo
Today · 4.125%
HK$37,596
baseline
▲ 0.50% · 4.625%
HK$39,578
+HK$1,982/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,192/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,406
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$38,570
−HK$1,182/mo
Today · 4.125%
HK$39,752
baseline
▲ 0.50% · 4.625%
HK$42,171
+HK$2,419/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$79,504/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,614
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,730
−HK$1,132/mo
Today · 4.125%
HK$43,862
baseline
▲ 0.50% · 4.625%
HK$46,175
+HK$2,313/mo
Deposit HK$3.52M · loan HK$8.20M · min. income ≈ HK$87,724/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,094
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,590
−HK$1,520/mo
Today · 4.125%
HK$51,110
baseline
▲ 0.50% · 4.625%
HK$54,220
+HK$3,110/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$102,220/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,504
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,939
−HK$1,456/mo
Today · 4.125%
HK$56,395
baseline
▲ 0.50% · 4.625%
HK$59,367
+HK$2,972/mo
Deposit HK$1.17M · loan HK$10.55M · min. income ≈ HK$112,790/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,405 · Scale 2, in force from 26 Feb 2026)