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$26,748
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,580
−HK$845/mo
Today · 4.125%
HK$28,425
baseline
▲ 0.50% · 4.625%
HK$30,155
+HK$1,730/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,850/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,756
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,555
−HK$809/mo
Today · 4.125%
HK$31,364
baseline
▲ 0.50% · 4.625%
HK$33,017
+HK$1,653/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,728/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,097
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$33,096
−HK$1,014/mo
Today · 4.125%
HK$34,110
baseline
▲ 0.50% · 4.625%
HK$36,185
+HK$2,075/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,220/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,708
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,665
−HK$972/mo
Today · 4.125%
HK$37,637
baseline
▲ 0.50% · 4.625%
HK$39,621
+HK$1,984/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,274/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$439,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,447
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$38,611
−HK$1,184/mo
Today · 4.125%
HK$39,795
baseline
▲ 0.50% · 4.625%
HK$42,216
+HK$2,421/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,590/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,659
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$42,776
−HK$1,134/mo
Today · 4.125%
HK$43,910
baseline
▲ 0.50% · 4.625%
HK$46,224
+HK$2,314/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,820/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$439,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,146
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,643
−HK$1,522/mo
Today · 4.125%
HK$51,165
baseline
▲ 0.50% · 4.625%
HK$54,278
+HK$3,113/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,330/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,562
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,998
−HK$1,457/mo
Today · 4.125%
HK$56,455
baseline
▲ 0.50% · 4.625%
HK$59,431
+HK$2,976/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,910/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,879 · Scale 2, in force from 26 Feb 2026)