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$26,689
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,520
−HK$843/mo
Today · 4.125%
HK$28,363
baseline
▲ 0.50% · 4.625%
HK$30,089
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,726/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,692
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,488
−HK$808/mo
Today · 4.125%
HK$31,296
baseline
▲ 0.50% · 4.625%
HK$32,946
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,592/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,027
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,024
−HK$1,012/mo
Today · 4.125%
HK$34,036
baseline
▲ 0.50% · 4.625%
HK$36,107
+HK$2,071/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,072/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,630
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,586
−HK$969/mo
Today · 4.125%
HK$37,555
baseline
▲ 0.50% · 4.625%
HK$39,535
+HK$1,980/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,110/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,365
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,528
−HK$1,180/mo
Today · 4.125%
HK$39,708
baseline
▲ 0.50% · 4.625%
HK$42,125
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,416/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,568
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,683
−HK$1,131/mo
Today · 4.125%
HK$43,814
baseline
▲ 0.50% · 4.625%
HK$46,124
+HK$2,310/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,628/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,041
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,535
−HK$1,519/mo
Today · 4.125%
HK$51,054
baseline
▲ 0.50% · 4.625%
HK$54,160
+HK$3,106/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,108/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,445
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,879
−HK$1,454/mo
Today · 4.125%
HK$56,333
baseline
▲ 0.50% · 4.625%
HK$59,302
+HK$2,969/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,666/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,923 · Scale 2, in force from 26 Feb 2026)