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$26,523
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,348
−HK$839/mo
Today · 4.125%
HK$28,187
baseline
▲ 0.50% · 4.625%
HK$29,902
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,374/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,507
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,298
−HK$803/mo
Today · 4.125%
HK$31,101
baseline
▲ 0.50% · 4.625%
HK$32,741
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,202/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,828
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,818
−HK$1,006/mo
Today · 4.125%
HK$33,824
baseline
▲ 0.50% · 4.625%
HK$35,882
+HK$2,058/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,648/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,408
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,358
−HK$963/mo
Today · 4.125%
HK$37,321
baseline
▲ 0.50% · 4.625%
HK$39,289
+HK$1,968/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,642/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,133
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,288
−HK$1,173/mo
Today · 4.125%
HK$39,461
baseline
▲ 0.50% · 4.625%
HK$41,862
+HK$2,401/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,922/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,310
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,418
−HK$1,124/mo
Today · 4.125%
HK$43,542
baseline
▲ 0.50% · 4.625%
HK$45,837
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,084/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,742
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,227
−HK$1,509/mo
Today · 4.125%
HK$50,736
baseline
▲ 0.50% · 4.625%
HK$53,823
+HK$3,087/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,472/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,113
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,537
−HK$1,445/mo
Today · 4.125%
HK$55,982
baseline
▲ 0.50% · 4.625%
HK$58,933
+HK$2,951/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,964/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,191 · Scale 2, in force from 26 Feb 2026)