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$26,680
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,510
−HK$844/mo
Today · 4.125%
HK$28,354
baseline
▲ 0.50% · 4.625%
HK$30,079
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,708/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,682
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,478
−HK$807/mo
Today · 4.125%
HK$31,285
baseline
▲ 0.50% · 4.625%
HK$32,934
+HK$1,649/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,570/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,017
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,012
−HK$1,012/mo
Today · 4.125%
HK$34,024
baseline
▲ 0.50% · 4.625%
HK$36,095
+HK$2,071/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,048/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,618
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,573
−HK$969/mo
Today · 4.125%
HK$37,542
baseline
▲ 0.50% · 4.625%
HK$39,521
+HK$1,979/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,084/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,353
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,514
−HK$1,181/mo
Today · 4.125%
HK$39,695
baseline
▲ 0.50% · 4.625%
HK$42,110
+HK$2,415/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,390/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,554
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,669
−HK$1,130/mo
Today · 4.125%
HK$43,799
baseline
▲ 0.50% · 4.625%
HK$46,108
+HK$2,309/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,598/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,025
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,519
−HK$1,517/mo
Today · 4.125%
HK$51,036
baseline
▲ 0.50% · 4.625%
HK$54,142
+HK$3,106/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,072/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,427
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,860
−HK$1,454/mo
Today · 4.125%
HK$56,314
baseline
▲ 0.50% · 4.625%
HK$59,282
+HK$2,968/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,628/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,774 · Scale 2, in force from 26 Feb 2026)