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$26,657
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,486
−HK$843/mo
Today · 4.125%
HK$28,329
baseline
▲ 0.50% · 4.625%
HK$30,052
+HK$1,723/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,658/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,656
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,451
−HK$807/mo
Today · 4.125%
HK$31,258
baseline
▲ 0.50% · 4.625%
HK$32,905
+HK$1,647/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,516/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,988
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,983
−HK$1,011/mo
Today · 4.125%
HK$33,994
baseline
▲ 0.50% · 4.625%
HK$36,063
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$67,988/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,587
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,541
−HK$968/mo
Today · 4.125%
HK$37,509
baseline
▲ 0.50% · 4.625%
HK$39,486
+HK$1,977/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$75,018/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,320
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,481
−HK$1,179/mo
Today · 4.125%
HK$39,660
baseline
▲ 0.50% · 4.625%
HK$42,073
+HK$2,413/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,320/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,518
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,631
−HK$1,130/mo
Today · 4.125%
HK$43,761
baseline
▲ 0.50% · 4.625%
HK$46,068
+HK$2,307/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,522/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,982
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,475
−HK$1,516/mo
Today · 4.125%
HK$50,991
baseline
▲ 0.50% · 4.625%
HK$54,094
+HK$3,103/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,982/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,380
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,812
−HK$1,452/mo
Today · 4.125%
HK$56,264
baseline
▲ 0.50% · 4.625%
HK$59,230
+HK$2,966/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,528/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,387 · Scale 2, in force from 26 Feb 2026)