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$26,695
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,525
−HK$844/mo
Today · 4.125%
HK$28,369
baseline
▲ 0.50% · 4.625%
HK$30,095
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,738/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,698
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,494
−HK$808/mo
Today · 4.125%
HK$31,302
baseline
▲ 0.50% · 4.625%
HK$32,952
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,604/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,034
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,030
−HK$1,012/mo
Today · 4.125%
HK$34,042
baseline
▲ 0.50% · 4.625%
HK$36,114
+HK$2,072/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,084/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,637
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,593
−HK$970/mo
Today · 4.125%
HK$37,563
baseline
▲ 0.50% · 4.625%
HK$39,542
+HK$1,979/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,126/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,373
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,535
−HK$1,181/mo
Today · 4.125%
HK$39,716
baseline
▲ 0.50% · 4.625%
HK$42,133
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,432/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,577
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,692
−HK$1,131/mo
Today · 4.125%
HK$43,823
baseline
▲ 0.50% · 4.625%
HK$46,133
+HK$2,310/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,646/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,051
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,545
−HK$1,519/mo
Today · 4.125%
HK$51,064
baseline
▲ 0.50% · 4.625%
HK$54,171
+HK$3,107/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,128/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,456
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,889
−HK$1,455/mo
Today · 4.125%
HK$56,344
baseline
▲ 0.50% · 4.625%
HK$59,314
+HK$2,970/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,688/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,009 · Scale 2, in force from 26 Feb 2026)