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$26,686
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,516
−HK$843/mo
Today · 4.125%
HK$28,359
baseline
▲ 0.50% · 4.625%
HK$30,085
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,718/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,688
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,484
−HK$808/mo
Today · 4.125%
HK$31,292
baseline
▲ 0.50% · 4.625%
HK$32,941
+HK$1,649/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,584/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$438,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,023
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,019
−HK$1,012/mo
Today · 4.125%
HK$34,031
baseline
▲ 0.50% · 4.625%
HK$36,102
+HK$2,071/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$68,062/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,625
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,581
−HK$969/mo
Today · 4.125%
HK$37,550
baseline
▲ 0.50% · 4.625%
HK$39,530
+HK$1,980/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,100/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,360
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,523
−HK$1,180/mo
Today · 4.125%
HK$39,703
baseline
▲ 0.50% · 4.625%
HK$42,119
+HK$2,416/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$79,406/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,563
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$42,678
−HK$1,131/mo
Today · 4.125%
HK$43,809
baseline
▲ 0.50% · 4.625%
HK$46,118
+HK$2,309/mo
Deposit HK$3.51M · loan HK$8.19M · min. income ≈ HK$87,618/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,035
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,529
−HK$1,518/mo
Today · 4.125%
HK$51,047
baseline
▲ 0.50% · 4.625%
HK$54,153
+HK$3,106/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$102,094/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,438
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,871
−HK$1,454/mo
Today · 4.125%
HK$56,325
baseline
▲ 0.50% · 4.625%
HK$59,294
+HK$2,969/mo
Deposit HK$1.17M · loan HK$10.53M · min. income ≈ HK$112,650/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,866 · Scale 2, in force from 26 Feb 2026)