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$26,664
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,493
−HK$843/mo
Today · 4.125%
HK$28,336
baseline
▲ 0.50% · 4.625%
HK$30,060
+HK$1,724/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,672/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,663
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,459
−HK$807/mo
Today · 4.125%
HK$31,266
baseline
▲ 0.50% · 4.625%
HK$32,914
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,532/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,997
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,992
−HK$1,011/mo
Today · 4.125%
HK$34,003
baseline
▲ 0.50% · 4.625%
HK$36,072
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,006/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,596
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,551
−HK$968/mo
Today · 4.125%
HK$37,519
baseline
▲ 0.50% · 4.625%
HK$39,497
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,038/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,329
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,491
−HK$1,179/mo
Today · 4.125%
HK$39,670
baseline
▲ 0.50% · 4.625%
HK$42,084
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,340/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,529
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,642
−HK$1,130/mo
Today · 4.125%
HK$43,772
baseline
▲ 0.50% · 4.625%
HK$46,080
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,544/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,995
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,488
−HK$1,517/mo
Today · 4.125%
HK$51,005
baseline
▲ 0.50% · 4.625%
HK$54,108
+HK$3,103/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$102,010/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,394
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,826
−HK$1,453/mo
Today · 4.125%
HK$56,279
baseline
▲ 0.50% · 4.625%
HK$59,245
+HK$2,966/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,558/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,502 · Scale 2, in force from 26 Feb 2026)