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$26,684
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,514
−HK$843/mo
Today · 4.125%
HK$28,357
baseline
▲ 0.50% · 4.625%
HK$30,083
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,714/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,686
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,482
−HK$807/mo
Today · 4.125%
HK$31,289
baseline
▲ 0.50% · 4.625%
HK$32,939
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,578/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,021
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,017
−HK$1,012/mo
Today · 4.125%
HK$34,029
baseline
▲ 0.50% · 4.625%
HK$36,099
+HK$2,070/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,058/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,623
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,578
−HK$969/mo
Today · 4.125%
HK$37,547
baseline
▲ 0.50% · 4.625%
HK$39,526
+HK$1,979/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,094/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,357
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,520
−HK$1,180/mo
Today · 4.125%
HK$39,700
baseline
▲ 0.50% · 4.625%
HK$42,116
+HK$2,416/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,400/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,560
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,674
−HK$1,131/mo
Today · 4.125%
HK$43,805
baseline
▲ 0.50% · 4.625%
HK$46,114
+HK$2,309/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,610/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,031
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,525
−HK$1,518/mo
Today · 4.125%
HK$51,043
baseline
▲ 0.50% · 4.625%
HK$54,149
+HK$3,106/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,086/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,434
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,867
−HK$1,454/mo
Today · 4.125%
HK$56,321
baseline
▲ 0.50% · 4.625%
HK$59,290
+HK$2,969/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,642/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,831 · Scale 2, in force from 26 Feb 2026)