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$26,542
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,367
−HK$839/mo
Today · 4.125%
HK$28,206
baseline
▲ 0.50% · 4.625%
HK$29,922
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,412/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,527
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,319
−HK$804/mo
Today · 4.125%
HK$31,123
baseline
▲ 0.50% · 4.625%
HK$32,763
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,246/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,850
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,841
−HK$1,006/mo
Today · 4.125%
HK$33,847
baseline
▲ 0.50% · 4.625%
HK$35,907
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,694/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,433
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,383
−HK$964/mo
Today · 4.125%
HK$37,347
baseline
▲ 0.50% · 4.625%
HK$39,316
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,694/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,159
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,314
−HK$1,175/mo
Today · 4.125%
HK$39,489
baseline
▲ 0.50% · 4.625%
HK$41,891
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,978/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,338
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,447
−HK$1,125/mo
Today · 4.125%
HK$43,572
baseline
▲ 0.50% · 4.625%
HK$45,869
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,144/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,775
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,261
−HK$1,510/mo
Today · 4.125%
HK$50,771
baseline
▲ 0.50% · 4.625%
HK$53,860
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,542/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,149
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,575
−HK$1,446/mo
Today · 4.125%
HK$56,021
baseline
▲ 0.50% · 4.625%
HK$58,974
+HK$2,953/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,042/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,494 · Scale 2, in force from 26 Feb 2026)