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$26,691
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,522
−HK$843/mo
Today · 4.125%
HK$28,365
baseline
▲ 0.50% · 4.625%
HK$30,091
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,730/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,694
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,490
−HK$808/mo
Today · 4.125%
HK$31,298
baseline
▲ 0.50% · 4.625%
HK$32,948
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,596/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,030
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,026
−HK$1,012/mo
Today · 4.125%
HK$34,038
baseline
▲ 0.50% · 4.625%
HK$36,109
+HK$2,071/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,076/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,633
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,588
−HK$970/mo
Today · 4.125%
HK$37,558
baseline
▲ 0.50% · 4.625%
HK$39,538
+HK$1,980/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,116/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,368
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,530
−HK$1,181/mo
Today · 4.125%
HK$39,711
baseline
▲ 0.50% · 4.625%
HK$42,128
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,422/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,571
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,686
−HK$1,131/mo
Today · 4.125%
HK$43,817
baseline
▲ 0.50% · 4.625%
HK$46,127
+HK$2,310/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,634/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,044
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,539
−HK$1,518/mo
Today · 4.125%
HK$51,057
baseline
▲ 0.50% · 4.625%
HK$54,164
+HK$3,107/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,114/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,449
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,882
−HK$1,455/mo
Today · 4.125%
HK$56,337
baseline
▲ 0.50% · 4.625%
HK$59,306
+HK$2,969/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,674/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,954 · Scale 2, in force from 26 Feb 2026)