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$26,665
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,494
−HK$843/mo
Today · 4.125%
HK$28,337
baseline
▲ 0.50% · 4.625%
HK$30,061
+HK$1,724/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,674/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,665
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,460
−HK$807/mo
Today · 4.125%
HK$31,267
baseline
▲ 0.50% · 4.625%
HK$32,915
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,534/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,998
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,993
−HK$1,012/mo
Today · 4.125%
HK$34,005
baseline
▲ 0.50% · 4.625%
HK$36,074
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,010/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,597
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,552
−HK$969/mo
Today · 4.125%
HK$37,521
baseline
▲ 0.50% · 4.625%
HK$39,498
+HK$1,977/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,042/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,331
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,492
−HK$1,180/mo
Today · 4.125%
HK$39,672
baseline
▲ 0.50% · 4.625%
HK$42,086
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,344/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,530
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$42,644
−HK$1,130/mo
Today · 4.125%
HK$43,774
baseline
▲ 0.50% · 4.625%
HK$46,081
+HK$2,307/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,548/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,997
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,490
−HK$1,517/mo
Today · 4.125%
HK$51,007
baseline
▲ 0.50% · 4.625%
HK$54,110
+HK$3,103/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$102,014/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,396
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,828
−HK$1,453/mo
Today · 4.125%
HK$56,281
baseline
▲ 0.50% · 4.625%
HK$59,248
+HK$2,967/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,562/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,520 · Scale 2, in force from 26 Feb 2026)