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$26,678
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,508
−HK$843/mo
Today · 4.125%
HK$28,351
baseline
▲ 0.50% · 4.625%
HK$30,076
+HK$1,725/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,702/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,679
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,475
−HK$808/mo
Today · 4.125%
HK$31,283
baseline
▲ 0.50% · 4.625%
HK$32,932
+HK$1,649/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,566/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,014
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,010
−HK$1,011/mo
Today · 4.125%
HK$34,021
baseline
▲ 0.50% · 4.625%
HK$36,092
+HK$2,071/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,042/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,615
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,570
−HK$969/mo
Today · 4.125%
HK$37,539
baseline
▲ 0.50% · 4.625%
HK$39,518
+HK$1,979/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,078/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,350
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,511
−HK$1,181/mo
Today · 4.125%
HK$39,692
baseline
▲ 0.50% · 4.625%
HK$42,107
+HK$2,415/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,384/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,551
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,665
−HK$1,131/mo
Today · 4.125%
HK$43,796
baseline
▲ 0.50% · 4.625%
HK$46,104
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,592/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,021
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,515
−HK$1,517/mo
Today · 4.125%
HK$51,032
baseline
▲ 0.50% · 4.625%
HK$54,137
+HK$3,105/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,064/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,423
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,856
−HK$1,453/mo
Today · 4.125%
HK$56,309
baseline
▲ 0.50% · 4.625%
HK$59,277
+HK$2,968/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,618/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,739 · Scale 2, in force from 26 Feb 2026)