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$26,472
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,295
−HK$837/mo
Today · 4.125%
HK$28,132
baseline
▲ 0.50% · 4.625%
HK$29,844
+HK$1,712/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,264/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,450
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,240
−HK$801/mo
Today · 4.125%
HK$31,041
baseline
▲ 0.50% · 4.625%
HK$32,677
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,082/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,766
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,754
−HK$1,004/mo
Today · 4.125%
HK$33,758
baseline
▲ 0.50% · 4.625%
HK$35,812
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,516/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,340
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,288
−HK$961/mo
Today · 4.125%
HK$37,249
baseline
▲ 0.50% · 4.625%
HK$39,212
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,498/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,061
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,214
−HK$1,171/mo
Today · 4.125%
HK$39,385
baseline
▲ 0.50% · 4.625%
HK$41,781
+HK$2,396/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,770/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,230
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,335
−HK$1,122/mo
Today · 4.125%
HK$43,457
baseline
▲ 0.50% · 4.625%
HK$45,748
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,914/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,650
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,132
−HK$1,506/mo
Today · 4.125%
HK$50,638
baseline
▲ 0.50% · 4.625%
HK$53,719
+HK$3,081/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,276/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,010
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,431
−HK$1,443/mo
Today · 4.125%
HK$55,874
baseline
▲ 0.50% · 4.625%
HK$58,819
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,748/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,345 · Scale 2, in force from 26 Feb 2026)