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$26,666
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,496
−HK$842/mo
Today · 4.125%
HK$28,338
baseline
▲ 0.50% · 4.625%
HK$30,063
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,676/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,666
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,462
−HK$807/mo
Today · 4.125%
HK$31,269
baseline
▲ 0.50% · 4.625%
HK$32,917
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,538/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,999
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,995
−HK$1,011/mo
Today · 4.125%
HK$34,006
baseline
▲ 0.50% · 4.625%
HK$36,075
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,012/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,599
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,554
−HK$968/mo
Today · 4.125%
HK$37,522
baseline
▲ 0.50% · 4.625%
HK$39,500
+HK$1,978/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,044/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,333
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,494
−HK$1,180/mo
Today · 4.125%
HK$39,674
baseline
▲ 0.50% · 4.625%
HK$42,088
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,348/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,532
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,646
−HK$1,130/mo
Today · 4.125%
HK$43,776
baseline
▲ 0.50% · 4.625%
HK$46,084
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,552/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,999
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,492
−HK$1,517/mo
Today · 4.125%
HK$51,009
baseline
▲ 0.50% · 4.625%
HK$54,113
+HK$3,104/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$102,018/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,399
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,831
−HK$1,453/mo
Today · 4.125%
HK$56,284
baseline
▲ 0.50% · 4.625%
HK$59,250
+HK$2,966/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,568/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,541 · Scale 2, in force from 26 Feb 2026)