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$26,689
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,519
−HK$843/mo
Today · 4.125%
HK$28,362
baseline
▲ 0.50% · 4.625%
HK$30,088
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,724/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,691
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,487
−HK$808/mo
Today · 4.125%
HK$31,295
baseline
▲ 0.50% · 4.625%
HK$32,945
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,590/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,027
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,023
−HK$1,012/mo
Today · 4.125%
HK$34,035
baseline
▲ 0.50% · 4.625%
HK$36,106
+HK$2,071/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,070/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,629
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,585
−HK$969/mo
Today · 4.125%
HK$37,554
baseline
▲ 0.50% · 4.625%
HK$39,534
+HK$1,980/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,108/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,364
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,527
−HK$1,180/mo
Today · 4.125%
HK$39,707
baseline
▲ 0.50% · 4.625%
HK$42,123
+HK$2,416/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,414/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,567
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,682
−HK$1,131/mo
Today · 4.125%
HK$43,813
baseline
▲ 0.50% · 4.625%
HK$46,123
+HK$2,310/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,626/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,040
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,534
−HK$1,518/mo
Today · 4.125%
HK$51,052
baseline
▲ 0.50% · 4.625%
HK$54,159
+HK$3,107/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,104/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,444
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,877
−HK$1,454/mo
Today · 4.125%
HK$56,331
baseline
▲ 0.50% · 4.625%
HK$59,301
+HK$2,970/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,662/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,912 · Scale 2, in force from 26 Feb 2026)