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$26,699
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,529
−HK$844/mo
Today · 4.125%
HK$28,373
baseline
▲ 0.50% · 4.625%
HK$30,099
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,746/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,702
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,499
−HK$808/mo
Today · 4.125%
HK$31,307
baseline
▲ 0.50% · 4.625%
HK$32,957
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,614/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,038
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,035
−HK$1,012/mo
Today · 4.125%
HK$34,047
baseline
▲ 0.50% · 4.625%
HK$36,119
+HK$2,072/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$68,094/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,642
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,598
−HK$970/mo
Today · 4.125%
HK$37,568
baseline
▲ 0.50% · 4.625%
HK$39,548
+HK$1,980/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$75,136/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,378
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,541
−HK$1,181/mo
Today · 4.125%
HK$39,722
baseline
▲ 0.50% · 4.625%
HK$42,139
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,444/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,583
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,698
−HK$1,131/mo
Today · 4.125%
HK$43,829
baseline
▲ 0.50% · 4.625%
HK$46,140
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,658/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,058
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,552
−HK$1,519/mo
Today · 4.125%
HK$51,071
baseline
▲ 0.50% · 4.625%
HK$54,179
+HK$3,108/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,142/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,464
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,897
−HK$1,455/mo
Today · 4.125%
HK$56,352
baseline
▲ 0.50% · 4.625%
HK$59,322
+HK$2,970/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,704/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,074 · Scale 2, in force from 26 Feb 2026)