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$26,658
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,487
−HK$842/mo
Today · 4.125%
HK$28,329
baseline
▲ 0.50% · 4.625%
HK$30,053
+HK$1,724/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,658/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,656
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,452
−HK$807/mo
Today · 4.125%
HK$31,259
baseline
▲ 0.50% · 4.625%
HK$32,906
+HK$1,647/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,518/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,989
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,984
−HK$1,011/mo
Today · 4.125%
HK$33,995
baseline
▲ 0.50% · 4.625%
HK$36,064
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$67,990/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,588
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,542
−HK$968/mo
Today · 4.125%
HK$37,510
baseline
▲ 0.50% · 4.625%
HK$39,487
+HK$1,977/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$75,020/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,321
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,481
−HK$1,180/mo
Today · 4.125%
HK$39,661
baseline
▲ 0.50% · 4.625%
HK$42,074
+HK$2,413/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,322/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,519
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,632
−HK$1,130/mo
Today · 4.125%
HK$43,762
baseline
▲ 0.50% · 4.625%
HK$46,069
+HK$2,307/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,524/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,984
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,476
−HK$1,517/mo
Today · 4.125%
HK$50,993
baseline
▲ 0.50% · 4.625%
HK$54,095
+HK$3,102/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,986/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,381
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,813
−HK$1,452/mo
Today · 4.125%
HK$56,265
baseline
▲ 0.50% · 4.625%
HK$59,231
+HK$2,966/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,530/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,398 · Scale 2, in force from 26 Feb 2026)