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$26,690
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,521
−HK$843/mo
Today · 4.125%
HK$28,364
baseline
▲ 0.50% · 4.625%
HK$30,090
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,728/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,693
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,489
−HK$808/mo
Today · 4.125%
HK$31,297
baseline
▲ 0.50% · 4.625%
HK$32,947
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,594/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,029
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,025
−HK$1,012/mo
Today · 4.125%
HK$34,037
baseline
▲ 0.50% · 4.625%
HK$36,108
+HK$2,071/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,074/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,631
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,587
−HK$969/mo
Today · 4.125%
HK$37,556
baseline
▲ 0.50% · 4.625%
HK$39,536
+HK$1,980/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,112/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,367
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,529
−HK$1,181/mo
Today · 4.125%
HK$39,710
baseline
▲ 0.50% · 4.625%
HK$42,126
+HK$2,416/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,420/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,570
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,685
−HK$1,131/mo
Today · 4.125%
HK$43,816
baseline
▲ 0.50% · 4.625%
HK$46,126
+HK$2,310/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,632/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,043
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,537
−HK$1,519/mo
Today · 4.125%
HK$51,056
baseline
▲ 0.50% · 4.625%
HK$54,162
+HK$3,106/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,112/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,447
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,881
−HK$1,454/mo
Today · 4.125%
HK$56,335
baseline
▲ 0.50% · 4.625%
HK$59,304
+HK$2,969/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,670/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,939 · Scale 2, in force from 26 Feb 2026)