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$26,473
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,296
−HK$837/mo
Today · 4.125%
HK$28,133
baseline
▲ 0.50% · 4.625%
HK$29,845
+HK$1,712/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,266/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,451
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,241
−HK$801/mo
Today · 4.125%
HK$31,042
baseline
▲ 0.50% · 4.625%
HK$32,678
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,084/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,767
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,756
−HK$1,003/mo
Today · 4.125%
HK$33,759
baseline
▲ 0.50% · 4.625%
HK$35,814
+HK$2,055/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,518/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,341
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,289
−HK$961/mo
Today · 4.125%
HK$37,250
baseline
▲ 0.50% · 4.625%
HK$39,214
+HK$1,964/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,500/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,062
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,215
−HK$1,171/mo
Today · 4.125%
HK$39,386
baseline
▲ 0.50% · 4.625%
HK$41,783
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,772/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,231
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,337
−HK$1,122/mo
Today · 4.125%
HK$43,459
baseline
▲ 0.50% · 4.625%
HK$45,749
+HK$2,290/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,918/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,651
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,133
−HK$1,506/mo
Today · 4.125%
HK$50,639
baseline
▲ 0.50% · 4.625%
HK$53,721
+HK$3,082/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,278/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,011
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,433
−HK$1,442/mo
Today · 4.125%
HK$55,875
baseline
▲ 0.50% · 4.625%
HK$58,821
+HK$2,946/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,750/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,360 · Scale 2, in force from 26 Feb 2026)