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$26,701
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,531
−HK$844/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$30,101
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,750/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,704
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,501
−HK$808/mo
Today · 4.125%
HK$31,309
baseline
▲ 0.50% · 4.625%
HK$32,959
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,618/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,041
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,037
−HK$1,013/mo
Today · 4.125%
HK$34,050
baseline
▲ 0.50% · 4.625%
HK$36,122
+HK$2,072/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$68,100/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,645
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,601
−HK$970/mo
Today · 4.125%
HK$37,571
baseline
▲ 0.50% · 4.625%
HK$39,551
+HK$1,980/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$75,142/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,381
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,544
−HK$1,181/mo
Today · 4.125%
HK$39,725
baseline
▲ 0.50% · 4.625%
HK$42,142
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,450/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,586
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,701
−HK$1,131/mo
Today · 4.125%
HK$43,832
baseline
▲ 0.50% · 4.625%
HK$46,143
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,664/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,061
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,556
−HK$1,519/mo
Today · 4.125%
HK$51,075
baseline
▲ 0.50% · 4.625%
HK$54,183
+HK$3,108/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,150/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,467
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,901
−HK$1,455/mo
Today · 4.125%
HK$56,356
baseline
▲ 0.50% · 4.625%
HK$59,327
+HK$2,971/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,712/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,105 · Scale 2, in force from 26 Feb 2026)