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$26,672
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,502
−HK$843/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$30,070
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,673
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,468
−HK$808/mo
Today · 4.125%
HK$31,276
baseline
▲ 0.50% · 4.625%
HK$32,924
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,552/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,007
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,002
−HK$1,012/mo
Today · 4.125%
HK$34,014
baseline
▲ 0.50% · 4.625%
HK$36,083
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,028/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,607
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,562
−HK$969/mo
Today · 4.125%
HK$37,531
baseline
▲ 0.50% · 4.625%
HK$39,509
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,062/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,341
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,503
−HK$1,180/mo
Today · 4.125%
HK$39,683
baseline
▲ 0.50% · 4.625%
HK$42,097
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,366/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,542
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,656
−HK$1,130/mo
Today · 4.125%
HK$43,786
baseline
▲ 0.50% · 4.625%
HK$46,094
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,572/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,010
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,503
−HK$1,518/mo
Today · 4.125%
HK$51,021
baseline
▲ 0.50% · 4.625%
HK$54,125
+HK$3,104/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,042/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,411
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,843
−HK$1,453/mo
Today · 4.125%
HK$56,296
baseline
▲ 0.50% · 4.625%
HK$59,264
+HK$2,968/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,592/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,639 · Scale 2, in force from 26 Feb 2026)