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$26,679
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,509
−HK$843/mo
Today · 4.125%
HK$28,352
baseline
▲ 0.50% · 4.625%
HK$30,078
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,704/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,681
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,477
−HK$807/mo
Today · 4.125%
HK$31,284
baseline
▲ 0.50% · 4.625%
HK$32,933
+HK$1,649/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,568/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,015
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,011
−HK$1,012/mo
Today · 4.125%
HK$34,023
baseline
▲ 0.50% · 4.625%
HK$36,093
+HK$2,070/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,046/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,617
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,572
−HK$969/mo
Today · 4.125%
HK$37,541
baseline
▲ 0.50% · 4.625%
HK$39,520
+HK$1,979/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,082/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,351
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$38,513
−HK$1,180/mo
Today · 4.125%
HK$39,693
baseline
▲ 0.50% · 4.625%
HK$42,109
+HK$2,416/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,386/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,553
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$42,667
−HK$1,131/mo
Today · 4.125%
HK$43,798
baseline
▲ 0.50% · 4.625%
HK$46,106
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,596/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,023
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,517
−HK$1,517/mo
Today · 4.125%
HK$51,034
baseline
▲ 0.50% · 4.625%
HK$54,140
+HK$3,106/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,068/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,425
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,858
−HK$1,453/mo
Today · 4.125%
HK$56,311
baseline
▲ 0.50% · 4.625%
HK$59,280
+HK$2,969/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,622/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,757 · Scale 2, in force from 26 Feb 2026)