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$26,670
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,499
−HK$843/mo
Today · 4.125%
HK$28,342
baseline
▲ 0.50% · 4.625%
HK$30,067
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,684/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,670
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,466
−HK$807/mo
Today · 4.125%
HK$31,273
baseline
▲ 0.50% · 4.625%
HK$32,921
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,546/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,004
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,999
−HK$1,012/mo
Today · 4.125%
HK$34,011
baseline
▲ 0.50% · 4.625%
HK$36,080
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,022/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,604
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,559
−HK$968/mo
Today · 4.125%
HK$37,527
baseline
▲ 0.50% · 4.625%
HK$39,505
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,054/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,338
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,499
−HK$1,180/mo
Today · 4.125%
HK$39,679
baseline
▲ 0.50% · 4.625%
HK$42,093
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,358/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,538
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,652
−HK$1,130/mo
Today · 4.125%
HK$43,782
baseline
▲ 0.50% · 4.625%
HK$46,090
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,564/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,006
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,499
−HK$1,517/mo
Today · 4.125%
HK$51,016
baseline
▲ 0.50% · 4.625%
HK$54,120
+HK$3,104/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,032/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,406
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,838
−HK$1,453/mo
Today · 4.125%
HK$56,291
baseline
▲ 0.50% · 4.625%
HK$59,258
+HK$2,967/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,582/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,598 · Scale 2, in force from 26 Feb 2026)