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$26,668
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,498
−HK$843/mo
Today · 4.125%
HK$28,341
baseline
▲ 0.50% · 4.625%
HK$30,065
+HK$1,724/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,682/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,668
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,464
−HK$807/mo
Today · 4.125%
HK$31,271
baseline
▲ 0.50% · 4.625%
HK$32,919
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,542/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,002
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,997
−HK$1,012/mo
Today · 4.125%
HK$34,009
baseline
▲ 0.50% · 4.625%
HK$36,078
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,018/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,602
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,557
−HK$968/mo
Today · 4.125%
HK$37,525
baseline
▲ 0.50% · 4.625%
HK$39,503
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,050/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,336
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,497
−HK$1,180/mo
Today · 4.125%
HK$39,677
baseline
▲ 0.50% · 4.625%
HK$42,091
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,354/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,535
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,649
−HK$1,131/mo
Today · 4.125%
HK$43,780
baseline
▲ 0.50% · 4.625%
HK$46,087
+HK$2,307/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,560/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,003
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,496
−HK$1,517/mo
Today · 4.125%
HK$51,013
baseline
▲ 0.50% · 4.625%
HK$54,117
+HK$3,104/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,026/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,403
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,835
−HK$1,453/mo
Today · 4.125%
HK$56,288
baseline
▲ 0.50% · 4.625%
HK$59,255
+HK$2,967/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,576/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,574 · Scale 2, in force from 26 Feb 2026)