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$26,428
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,250
−HK$836/mo
Today · 4.125%
HK$28,086
baseline
▲ 0.50% · 4.625%
HK$29,794
+HK$1,708/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,172/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,401
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,190
−HK$800/mo
Today · 4.125%
HK$30,990
baseline
▲ 0.50% · 4.625%
HK$32,623
+HK$1,633/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$61,980/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,714
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,700
−HK$1,003/mo
Today · 4.125%
HK$33,703
baseline
▲ 0.50% · 4.625%
HK$35,753
+HK$2,050/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$67,406/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,281
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,228
−HK$960/mo
Today · 4.125%
HK$37,188
baseline
▲ 0.50% · 4.625%
HK$39,148
+HK$1,960/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$74,376/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,000
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,150
−HK$1,170/mo
Today · 4.125%
HK$39,320
baseline
▲ 0.50% · 4.625%
HK$41,712
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,640/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,162
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,266
−HK$1,120/mo
Today · 4.125%
HK$43,386
baseline
▲ 0.50% · 4.625%
HK$45,672
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,772/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,571
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,051
−HK$1,503/mo
Today · 4.125%
HK$50,554
baseline
▲ 0.50% · 4.625%
HK$53,630
+HK$3,076/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,108/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,922
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,341
−HK$1,440/mo
Today · 4.125%
HK$55,781
baseline
▲ 0.50% · 4.625%
HK$58,722
+HK$2,941/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,562/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,627 · Scale 2, in force from 26 Feb 2026)