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$26,663
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,493
−HK$842/mo
Today · 4.125%
HK$28,335
baseline
▲ 0.50% · 4.625%
HK$30,060
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,670/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,663
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,458
−HK$807/mo
Today · 4.125%
HK$31,265
baseline
▲ 0.50% · 4.625%
HK$32,913
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,530/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,996
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,991
−HK$1,011/mo
Today · 4.125%
HK$34,002
baseline
▲ 0.50% · 4.625%
HK$36,071
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,004/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,595
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,550
−HK$968/mo
Today · 4.125%
HK$37,518
baseline
▲ 0.50% · 4.625%
HK$39,496
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,036/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,329
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,490
−HK$1,180/mo
Today · 4.125%
HK$39,670
baseline
▲ 0.50% · 4.625%
HK$42,083
+HK$2,413/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,340/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,528
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,642
−HK$1,129/mo
Today · 4.125%
HK$43,771
baseline
▲ 0.50% · 4.625%
HK$46,079
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,542/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,994
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,487
−HK$1,517/mo
Today · 4.125%
HK$51,004
baseline
▲ 0.50% · 4.625%
HK$54,107
+HK$3,103/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$102,008/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,393
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,825
−HK$1,453/mo
Today · 4.125%
HK$56,278
baseline
▲ 0.50% · 4.625%
HK$59,244
+HK$2,966/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,556/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,493 · Scale 2, in force from 26 Feb 2026)