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$26,669
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,498
−HK$843/mo
Today · 4.125%
HK$28,341
baseline
▲ 0.50% · 4.625%
HK$30,066
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,682/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,669
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,464
−HK$808/mo
Today · 4.125%
HK$31,272
baseline
▲ 0.50% · 4.625%
HK$32,920
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,544/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,003
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,998
−HK$1,011/mo
Today · 4.125%
HK$34,009
baseline
▲ 0.50% · 4.625%
HK$36,079
+HK$2,070/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,018/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,602
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,557
−HK$969/mo
Today · 4.125%
HK$37,526
baseline
▲ 0.50% · 4.625%
HK$39,504
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,052/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,336
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,498
−HK$1,180/mo
Today · 4.125%
HK$39,678
baseline
▲ 0.50% · 4.625%
HK$42,092
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,356/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,536
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,650
−HK$1,130/mo
Today · 4.125%
HK$43,780
baseline
▲ 0.50% · 4.625%
HK$46,088
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,560/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,004
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,497
−HK$1,517/mo
Today · 4.125%
HK$51,014
baseline
▲ 0.50% · 4.625%
HK$54,118
+HK$3,104/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,028/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,404
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,836
−HK$1,453/mo
Today · 4.125%
HK$56,289
baseline
▲ 0.50% · 4.625%
HK$59,256
+HK$2,967/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,578/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,582 · Scale 2, in force from 26 Feb 2026)