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$26,558
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,384
−HK$839/mo
Today · 4.125%
HK$28,223
baseline
▲ 0.50% · 4.625%
HK$29,940
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,446/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,545
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,337
−HK$804/mo
Today · 4.125%
HK$31,141
baseline
▲ 0.50% · 4.625%
HK$32,783
+HK$1,642/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,282/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,869
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,860
−HK$1,008/mo
Today · 4.125%
HK$33,868
baseline
▲ 0.50% · 4.625%
HK$35,928
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,736/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,454
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,405
−HK$965/mo
Today · 4.125%
HK$37,370
baseline
▲ 0.50% · 4.625%
HK$39,339
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,740/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,181
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,337
−HK$1,175/mo
Today · 4.125%
HK$39,512
baseline
▲ 0.50% · 4.625%
HK$41,916
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,024/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,363
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,472
−HK$1,126/mo
Today · 4.125%
HK$43,598
baseline
▲ 0.50% · 4.625%
HK$45,896
+HK$2,298/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,196/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,804
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,291
−HK$1,510/mo
Today · 4.125%
HK$50,801
baseline
▲ 0.50% · 4.625%
HK$53,893
+HK$3,092/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,602/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,181
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,607
−HK$1,447/mo
Today · 4.125%
HK$56,054
baseline
▲ 0.50% · 4.625%
HK$59,009
+HK$2,955/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,108/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,755 · Scale 2, in force from 26 Feb 2026)