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$26,683
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,513
−HK$843/mo
Today · 4.125%
HK$28,356
baseline
▲ 0.50% · 4.625%
HK$30,082
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,712/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,685
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,481
−HK$807/mo
Today · 4.125%
HK$31,288
baseline
▲ 0.50% · 4.625%
HK$32,938
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,576/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,020
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,016
−HK$1,012/mo
Today · 4.125%
HK$34,028
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$2,070/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,056/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,622
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,577
−HK$969/mo
Today · 4.125%
HK$37,546
baseline
▲ 0.50% · 4.625%
HK$39,525
+HK$1,979/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,092/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,356
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,518
−HK$1,181/mo
Today · 4.125%
HK$39,699
baseline
▲ 0.50% · 4.625%
HK$42,114
+HK$2,415/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,398/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,559
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,673
−HK$1,131/mo
Today · 4.125%
HK$43,804
baseline
▲ 0.50% · 4.625%
HK$46,113
+HK$2,309/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,608/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,030
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,524
−HK$1,517/mo
Today · 4.125%
HK$51,041
baseline
▲ 0.50% · 4.625%
HK$54,147
+HK$3,106/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,082/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,432
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,865
−HK$1,454/mo
Today · 4.125%
HK$56,319
baseline
▲ 0.50% · 4.625%
HK$59,288
+HK$2,969/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,638/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,818 · Scale 2, in force from 26 Feb 2026)