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$26,448
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,271
−HK$836/mo
Today · 4.125%
HK$28,107
baseline
▲ 0.50% · 4.625%
HK$29,817
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,214/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,423
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,212
−HK$801/mo
Today · 4.125%
HK$31,013
baseline
▲ 0.50% · 4.625%
HK$32,648
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,026/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,738
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,725
−HK$1,003/mo
Today · 4.125%
HK$33,728
baseline
▲ 0.50% · 4.625%
HK$35,780
+HK$2,052/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,456/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,308
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,255
−HK$960/mo
Today · 4.125%
HK$37,215
baseline
▲ 0.50% · 4.625%
HK$39,177
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,430/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,027
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,179
−HK$1,170/mo
Today · 4.125%
HK$39,349
baseline
▲ 0.50% · 4.625%
HK$41,743
+HK$2,394/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,698/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,192
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,297
−HK$1,121/mo
Today · 4.125%
HK$43,418
baseline
▲ 0.50% · 4.625%
HK$45,707
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,836/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,606
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,087
−HK$1,505/mo
Today · 4.125%
HK$50,592
baseline
▲ 0.50% · 4.625%
HK$53,670
+HK$3,078/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,184/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,962
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,382
−HK$1,441/mo
Today · 4.125%
HK$55,823
baseline
▲ 0.50% · 4.625%
HK$58,766
+HK$2,943/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,646/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,952 · Scale 2, in force from 26 Feb 2026)