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$26,468
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$836/mo
Today · 4.125%
HK$28,128
baseline
▲ 0.50% · 4.625%
HK$29,840
+HK$1,712/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,256/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,446
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,236
−HK$801/mo
Today · 4.125%
HK$31,037
baseline
▲ 0.50% · 4.625%
HK$32,673
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,074/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,762
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,750
−HK$1,004/mo
Today · 4.125%
HK$33,754
baseline
▲ 0.50% · 4.625%
HK$35,808
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,508/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,335
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,283
−HK$961/mo
Today · 4.125%
HK$37,244
baseline
▲ 0.50% · 4.625%
HK$39,207
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,488/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,056
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,208
−HK$1,171/mo
Today · 4.125%
HK$39,379
baseline
▲ 0.50% · 4.625%
HK$41,776
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,758/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,224
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,330
−HK$1,121/mo
Today · 4.125%
HK$43,451
baseline
▲ 0.50% · 4.625%
HK$45,742
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,902/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,643
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,125
−HK$1,506/mo
Today · 4.125%
HK$50,631
baseline
▲ 0.50% · 4.625%
HK$53,711
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,262/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,002
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,424
−HK$1,442/mo
Today · 4.125%
HK$55,866
baseline
▲ 0.50% · 4.625%
HK$58,811
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,732/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,286 · Scale 2, in force from 26 Feb 2026)