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$26,674
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,504
−HK$843/mo
Today · 4.125%
HK$28,347
baseline
▲ 0.50% · 4.625%
HK$30,072
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,694/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,675
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,471
−HK$807/mo
Today · 4.125%
HK$31,278
baseline
▲ 0.50% · 4.625%
HK$32,927
+HK$1,649/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,556/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,009
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,005
−HK$1,011/mo
Today · 4.125%
HK$34,016
baseline
▲ 0.50% · 4.625%
HK$36,086
+HK$2,070/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,032/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,610
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,565
−HK$969/mo
Today · 4.125%
HK$37,534
baseline
▲ 0.50% · 4.625%
HK$39,512
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,068/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,344
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,505
−HK$1,181/mo
Today · 4.125%
HK$39,686
baseline
▲ 0.50% · 4.625%
HK$42,100
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,372/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,545
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,659
−HK$1,130/mo
Today · 4.125%
HK$43,789
baseline
▲ 0.50% · 4.625%
HK$46,097
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,578/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,013
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,507
−HK$1,517/mo
Today · 4.125%
HK$51,024
baseline
▲ 0.50% · 4.625%
HK$54,129
+HK$3,105/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,048/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,415
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,847
−HK$1,453/mo
Today · 4.125%
HK$56,300
baseline
▲ 0.50% · 4.625%
HK$59,268
+HK$2,968/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,600/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,671 · Scale 2, in force from 26 Feb 2026)