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$26,692
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,522
−HK$844/mo
Today · 4.125%
HK$28,366
baseline
▲ 0.50% · 4.625%
HK$30,092
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,732/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,695
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,491
−HK$808/mo
Today · 4.125%
HK$31,299
baseline
▲ 0.50% · 4.625%
HK$32,949
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,598/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,030
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,027
−HK$1,012/mo
Today · 4.125%
HK$34,039
baseline
▲ 0.50% · 4.625%
HK$36,110
+HK$2,071/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,078/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,633
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,589
−HK$970/mo
Today · 4.125%
HK$37,559
baseline
▲ 0.50% · 4.625%
HK$39,538
+HK$1,979/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,118/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,369
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,531
−HK$1,181/mo
Today · 4.125%
HK$39,712
baseline
▲ 0.50% · 4.625%
HK$42,129
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,424/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,572
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,687
−HK$1,131/mo
Today · 4.125%
HK$43,818
baseline
▲ 0.50% · 4.625%
HK$46,128
+HK$2,310/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,636/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,046
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,540
−HK$1,518/mo
Today · 4.125%
HK$51,058
baseline
▲ 0.50% · 4.625%
HK$54,165
+HK$3,107/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,116/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,450
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,884
−HK$1,454/mo
Today · 4.125%
HK$56,338
baseline
▲ 0.50% · 4.625%
HK$59,308
+HK$2,970/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,676/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,964 · Scale 2, in force from 26 Feb 2026)