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$26,457
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,280
−HK$836/mo
Today · 4.125%
HK$28,116
baseline
▲ 0.50% · 4.625%
HK$29,827
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,232/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,433
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,223
−HK$801/mo
Today · 4.125%
HK$31,024
baseline
▲ 0.50% · 4.625%
HK$32,659
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,048/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,749
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,736
−HK$1,004/mo
Today · 4.125%
HK$33,740
baseline
▲ 0.50% · 4.625%
HK$35,792
+HK$2,052/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,480/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,320
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,267
−HK$961/mo
Today · 4.125%
HK$37,228
baseline
▲ 0.50% · 4.625%
HK$39,191
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,456/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,040
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,192
−HK$1,171/mo
Today · 4.125%
HK$39,363
baseline
▲ 0.50% · 4.625%
HK$41,758
+HK$2,395/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,726/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,207
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,312
−HK$1,121/mo
Today · 4.125%
HK$43,433
baseline
▲ 0.50% · 4.625%
HK$45,722
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,866/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,623
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,104
−HK$1,505/mo
Today · 4.125%
HK$50,609
baseline
▲ 0.50% · 4.625%
HK$53,689
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,218/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,980
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,401
−HK$1,441/mo
Today · 4.125%
HK$55,842
baseline
▲ 0.50% · 4.625%
HK$58,786
+HK$2,944/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,684/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,102 · Scale 2, in force from 26 Feb 2026)