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$26,487
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,311
−HK$837/mo
Today · 4.125%
HK$28,148
baseline
▲ 0.50% · 4.625%
HK$29,861
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,296/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,467
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,257
−HK$802/mo
Today · 4.125%
HK$31,059
baseline
▲ 0.50% · 4.625%
HK$32,696
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,118/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,785
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,774
−HK$1,004/mo
Today · 4.125%
HK$33,778
baseline
▲ 0.50% · 4.625%
HK$35,833
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,556/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,360
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,309
−HK$962/mo
Today · 4.125%
HK$37,271
baseline
▲ 0.50% · 4.625%
HK$39,235
+HK$1,964/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,542/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,082
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,236
−HK$1,172/mo
Today · 4.125%
HK$39,408
baseline
▲ 0.50% · 4.625%
HK$41,806
+HK$2,398/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,816/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,254
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,360
−HK$1,123/mo
Today · 4.125%
HK$43,483
baseline
▲ 0.50% · 4.625%
HK$45,775
+HK$2,292/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,966/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,677
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,160
−HK$1,507/mo
Today · 4.125%
HK$50,667
baseline
▲ 0.50% · 4.625%
HK$53,750
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,334/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,041
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,463
−HK$1,443/mo
Today · 4.125%
HK$55,906
baseline
▲ 0.50% · 4.625%
HK$58,853
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,812/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,600 · Scale 2, in force from 26 Feb 2026)