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$26,696
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,527
−HK$843/mo
Today · 4.125%
HK$28,370
baseline
▲ 0.50% · 4.625%
HK$30,097
+HK$1,727/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,740/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,699
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,496
−HK$808/mo
Today · 4.125%
HK$31,304
baseline
▲ 0.50% · 4.625%
HK$32,954
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,608/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,035
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,032
−HK$1,012/mo
Today · 4.125%
HK$34,044
baseline
▲ 0.50% · 4.625%
HK$36,116
+HK$2,072/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,088/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,639
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,595
−HK$970/mo
Today · 4.125%
HK$37,565
baseline
▲ 0.50% · 4.625%
HK$39,545
+HK$1,980/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,130/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,375
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,537
−HK$1,181/mo
Today · 4.125%
HK$39,718
baseline
▲ 0.50% · 4.625%
HK$42,135
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,436/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,579
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,694
−HK$1,131/mo
Today · 4.125%
HK$43,825
baseline
▲ 0.50% · 4.625%
HK$46,135
+HK$2,310/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,650/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,053
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,548
−HK$1,519/mo
Today · 4.125%
HK$51,067
baseline
▲ 0.50% · 4.625%
HK$54,174
+HK$3,107/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,134/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,459
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,892
−HK$1,455/mo
Today · 4.125%
HK$56,347
baseline
▲ 0.50% · 4.625%
HK$59,317
+HK$2,970/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,694/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,033 · Scale 2, in force from 26 Feb 2026)