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$26,679
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,508
−HK$844/mo
Today · 4.125%
HK$28,352
baseline
▲ 0.50% · 4.625%
HK$30,077
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,704/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,680
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,476
−HK$807/mo
Today · 4.125%
HK$31,283
baseline
▲ 0.50% · 4.625%
HK$32,932
+HK$1,649/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,566/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,014
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,010
−HK$1,012/mo
Today · 4.125%
HK$34,022
baseline
▲ 0.50% · 4.625%
HK$36,092
+HK$2,070/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,044/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,616
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,571
−HK$969/mo
Today · 4.125%
HK$37,540
baseline
▲ 0.50% · 4.625%
HK$39,519
+HK$1,979/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,080/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,350
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,512
−HK$1,180/mo
Today · 4.125%
HK$39,692
baseline
▲ 0.50% · 4.625%
HK$42,107
+HK$2,415/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,384/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,552
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,666
−HK$1,130/mo
Today · 4.125%
HK$43,796
baseline
▲ 0.50% · 4.625%
HK$46,105
+HK$2,309/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,592/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,021
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,515
−HK$1,518/mo
Today · 4.125%
HK$51,033
baseline
▲ 0.50% · 4.625%
HK$54,138
+HK$3,105/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,066/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,423
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,856
−HK$1,454/mo
Today · 4.125%
HK$56,310
baseline
▲ 0.50% · 4.625%
HK$59,278
+HK$2,968/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,620/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,744 · Scale 2, in force from 26 Feb 2026)