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$26,685
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,516
−HK$843/mo
Today · 4.125%
HK$28,359
baseline
▲ 0.50% · 4.625%
HK$30,084
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,718/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,687
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,484
−HK$807/mo
Today · 4.125%
HK$31,291
baseline
▲ 0.50% · 4.625%
HK$32,941
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,582/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,023
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,019
−HK$1,012/mo
Today · 4.125%
HK$34,031
baseline
▲ 0.50% · 4.625%
HK$36,101
+HK$2,070/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,062/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,625
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,580
−HK$970/mo
Today · 4.125%
HK$37,550
baseline
▲ 0.50% · 4.625%
HK$39,529
+HK$1,979/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,100/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,360
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,522
−HK$1,180/mo
Today · 4.125%
HK$39,702
baseline
▲ 0.50% · 4.625%
HK$42,118
+HK$2,416/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,404/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,562
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,677
−HK$1,131/mo
Today · 4.125%
HK$43,808
baseline
▲ 0.50% · 4.625%
HK$46,117
+HK$2,309/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,616/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,034
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,528
−HK$1,518/mo
Today · 4.125%
HK$51,046
baseline
▲ 0.50% · 4.625%
HK$54,152
+HK$3,106/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,092/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,437
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,870
−HK$1,454/mo
Today · 4.125%
HK$56,324
baseline
▲ 0.50% · 4.625%
HK$59,293
+HK$2,969/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,648/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,857 · Scale 2, in force from 26 Feb 2026)