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$26,676
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,506
−HK$843/mo
Today · 4.125%
HK$28,349
baseline
▲ 0.50% · 4.625%
HK$30,074
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,698/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,677
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,472
−HK$808/mo
Today · 4.125%
HK$31,280
baseline
▲ 0.50% · 4.625%
HK$32,929
+HK$1,649/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,560/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,011
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,007
−HK$1,011/mo
Today · 4.125%
HK$34,018
baseline
▲ 0.50% · 4.625%
HK$36,088
+HK$2,070/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,036/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,612
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,567
−HK$969/mo
Today · 4.125%
HK$37,536
baseline
▲ 0.50% · 4.625%
HK$39,514
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,072/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,346
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,508
−HK$1,180/mo
Today · 4.125%
HK$39,688
baseline
▲ 0.50% · 4.625%
HK$42,103
+HK$2,415/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,376/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,547
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,661
−HK$1,131/mo
Today · 4.125%
HK$43,792
baseline
▲ 0.50% · 4.625%
HK$46,100
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,584/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,016
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,510
−HK$1,517/mo
Today · 4.125%
HK$51,027
baseline
▲ 0.50% · 4.625%
HK$54,132
+HK$3,105/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,054/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,418
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,850
−HK$1,454/mo
Today · 4.125%
HK$56,304
baseline
▲ 0.50% · 4.625%
HK$59,272
+HK$2,968/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,608/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,698 · Scale 2, in force from 26 Feb 2026)