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$26,671
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,500
−HK$843/mo
Today · 4.125%
HK$28,343
baseline
▲ 0.50% · 4.625%
HK$30,068
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,686/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,671
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,467
−HK$807/mo
Today · 4.125%
HK$31,274
baseline
▲ 0.50% · 4.625%
HK$32,922
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,548/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,005
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,000
−HK$1,012/mo
Today · 4.125%
HK$34,012
baseline
▲ 0.50% · 4.625%
HK$36,081
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,024/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,605
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,560
−HK$969/mo
Today · 4.125%
HK$37,529
baseline
▲ 0.50% · 4.625%
HK$39,507
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,058/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,339
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,500
−HK$1,181/mo
Today · 4.125%
HK$39,681
baseline
▲ 0.50% · 4.625%
HK$42,095
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,362/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,539
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,653
−HK$1,131/mo
Today · 4.125%
HK$43,784
baseline
▲ 0.50% · 4.625%
HK$46,091
+HK$2,307/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,568/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,007
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,501
−HK$1,517/mo
Today · 4.125%
HK$51,018
baseline
▲ 0.50% · 4.625%
HK$54,122
+HK$3,104/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,036/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,408
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,840
−HK$1,453/mo
Today · 4.125%
HK$56,293
baseline
▲ 0.50% · 4.625%
HK$59,260
+HK$2,967/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,586/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,615 · Scale 2, in force from 26 Feb 2026)