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$26,694
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,524
−HK$844/mo
Today · 4.125%
HK$28,368
baseline
▲ 0.50% · 4.625%
HK$30,094
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,736/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,697
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,493
−HK$808/mo
Today · 4.125%
HK$31,301
baseline
▲ 0.50% · 4.625%
HK$32,951
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,602/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,033
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,029
−HK$1,012/mo
Today · 4.125%
HK$34,041
baseline
▲ 0.50% · 4.625%
HK$36,113
+HK$2,072/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,082/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,636
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,592
−HK$969/mo
Today · 4.125%
HK$37,561
baseline
▲ 0.50% · 4.625%
HK$39,541
+HK$1,980/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,122/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,371
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,534
−HK$1,181/mo
Today · 4.125%
HK$39,715
baseline
▲ 0.50% · 4.625%
HK$42,132
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,430/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,575
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,690
−HK$1,132/mo
Today · 4.125%
HK$43,822
baseline
▲ 0.50% · 4.625%
HK$46,131
+HK$2,309/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,644/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,049
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,544
−HK$1,518/mo
Today · 4.125%
HK$51,062
baseline
▲ 0.50% · 4.625%
HK$54,169
+HK$3,107/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,124/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,454
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,888
−HK$1,454/mo
Today · 4.125%
HK$56,342
baseline
▲ 0.50% · 4.625%
HK$59,312
+HK$2,970/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,684/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,995 · Scale 2, in force from 26 Feb 2026)