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$26,667
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,496
−HK$843/mo
Today · 4.125%
HK$28,339
baseline
▲ 0.50% · 4.625%
HK$30,064
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,678/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,667
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,462
−HK$808/mo
Today · 4.125%
HK$31,270
baseline
▲ 0.50% · 4.625%
HK$32,918
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,540/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,000
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,996
−HK$1,011/mo
Today · 4.125%
HK$34,007
baseline
▲ 0.50% · 4.625%
HK$36,076
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,014/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,600
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,555
−HK$968/mo
Today · 4.125%
HK$37,523
baseline
▲ 0.50% · 4.625%
HK$39,501
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,046/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,334
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,495
−HK$1,180/mo
Today · 4.125%
HK$39,675
baseline
▲ 0.50% · 4.625%
HK$42,089
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,350/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,533
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,647
−HK$1,130/mo
Today · 4.125%
HK$43,777
baseline
▲ 0.50% · 4.625%
HK$46,085
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,554/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,001
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,494
−HK$1,517/mo
Today · 4.125%
HK$51,011
baseline
▲ 0.50% · 4.625%
HK$54,114
+HK$3,103/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,022/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,400
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,832
−HK$1,453/mo
Today · 4.125%
HK$56,285
baseline
▲ 0.50% · 4.625%
HK$59,252
+HK$2,967/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,570/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,553 · Scale 2, in force from 26 Feb 2026)