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$26,675
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,504
−HK$843/mo
Today · 4.125%
HK$28,347
baseline
▲ 0.50% · 4.625%
HK$30,072
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,694/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,675
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,471
−HK$808/mo
Today · 4.125%
HK$31,279
baseline
▲ 0.50% · 4.625%
HK$32,927
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,558/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,010
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,005
−HK$1,012/mo
Today · 4.125%
HK$34,017
baseline
▲ 0.50% · 4.625%
HK$36,087
+HK$2,070/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,034/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,610
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,565
−HK$969/mo
Today · 4.125%
HK$37,534
baseline
▲ 0.50% · 4.625%
HK$39,513
+HK$1,979/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,068/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,345
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,506
−HK$1,180/mo
Today · 4.125%
HK$39,686
baseline
▲ 0.50% · 4.625%
HK$42,101
+HK$2,415/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,372/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,545
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,660
−HK$1,130/mo
Today · 4.125%
HK$43,790
baseline
▲ 0.50% · 4.625%
HK$46,098
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,580/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,014
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,508
−HK$1,517/mo
Today · 4.125%
HK$51,025
baseline
▲ 0.50% · 4.625%
HK$54,130
+HK$3,105/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,050/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,416
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,848
−HK$1,454/mo
Today · 4.125%
HK$56,302
baseline
▲ 0.50% · 4.625%
HK$59,269
+HK$2,967/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,604/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,680 · Scale 2, in force from 26 Feb 2026)