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$26,701
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,532
−HK$843/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$30,102
+HK$1,727/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,750/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,705
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,501
−HK$809/mo
Today · 4.125%
HK$31,310
baseline
▲ 0.50% · 4.625%
HK$32,960
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,620/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,041
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,038
−HK$1,013/mo
Today · 4.125%
HK$34,051
baseline
▲ 0.50% · 4.625%
HK$36,122
+HK$2,071/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$68,102/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,646
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,602
−HK$969/mo
Today · 4.125%
HK$37,571
baseline
▲ 0.50% · 4.625%
HK$39,552
+HK$1,981/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$75,142/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,382
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,544
−HK$1,182/mo
Today · 4.125%
HK$39,726
baseline
▲ 0.50% · 4.625%
HK$42,143
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,452/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,587
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,702
−HK$1,131/mo
Today · 4.125%
HK$43,833
baseline
▲ 0.50% · 4.625%
HK$46,144
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,666/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,062
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,557
−HK$1,519/mo
Today · 4.125%
HK$51,076
baseline
▲ 0.50% · 4.625%
HK$54,184
+HK$3,108/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,152/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,468
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,902
−HK$1,455/mo
Today · 4.125%
HK$56,357
baseline
▲ 0.50% · 4.625%
HK$59,328
+HK$2,971/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,714/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,114 · Scale 2, in force from 26 Feb 2026)