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$26,471
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,294
−HK$837/mo
Today · 4.125%
HK$28,131
baseline
▲ 0.50% · 4.625%
HK$29,842
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,262/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,448
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,238
−HK$801/mo
Today · 4.125%
HK$31,039
baseline
▲ 0.50% · 4.625%
HK$32,676
+HK$1,637/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,078/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,765
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,753
−HK$1,004/mo
Today · 4.125%
HK$33,757
baseline
▲ 0.50% · 4.625%
HK$35,811
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,514/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,338
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,286
−HK$961/mo
Today · 4.125%
HK$37,247
baseline
▲ 0.50% · 4.625%
HK$39,211
+HK$1,964/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,494/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,059
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,212
−HK$1,171/mo
Today · 4.125%
HK$39,383
baseline
▲ 0.50% · 4.625%
HK$41,779
+HK$2,396/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,766/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,228
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,334
−HK$1,121/mo
Today · 4.125%
HK$43,455
baseline
▲ 0.50% · 4.625%
HK$45,746
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,910/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,647
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,130
−HK$1,505/mo
Today · 4.125%
HK$50,635
baseline
▲ 0.50% · 4.625%
HK$53,716
+HK$3,081/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,270/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,007
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,429
−HK$1,442/mo
Today · 4.125%
HK$55,871
baseline
▲ 0.50% · 4.625%
HK$58,816
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,742/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,326 · Scale 2, in force from 26 Feb 2026)