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$26,661
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,490
−HK$843/mo
Today · 4.125%
HK$28,333
baseline
▲ 0.50% · 4.625%
HK$30,057
+HK$1,724/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,666/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,660
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,456
−HK$806/mo
Today · 4.125%
HK$31,262
baseline
▲ 0.50% · 4.625%
HK$32,910
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,524/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,993
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,988
−HK$1,011/mo
Today · 4.125%
HK$33,999
baseline
▲ 0.50% · 4.625%
HK$36,068
+HK$2,069/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$67,998/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,592
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,547
−HK$968/mo
Today · 4.125%
HK$37,515
baseline
▲ 0.50% · 4.625%
HK$39,492
+HK$1,977/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,030/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,325
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,486
−HK$1,180/mo
Today · 4.125%
HK$39,666
baseline
▲ 0.50% · 4.625%
HK$42,080
+HK$2,414/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,332/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,524
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,638
−HK$1,129/mo
Today · 4.125%
HK$43,767
baseline
▲ 0.50% · 4.625%
HK$46,075
+HK$2,308/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,534/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,990
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,482
−HK$1,517/mo
Today · 4.125%
HK$50,999
baseline
▲ 0.50% · 4.625%
HK$54,102
+HK$3,103/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,998/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,388
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,820
−HK$1,452/mo
Today · 4.125%
HK$56,272
baseline
▲ 0.50% · 4.625%
HK$59,239
+HK$2,967/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,544/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,454 · Scale 2, in force from 26 Feb 2026)