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$26,504
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,329
−HK$837/mo
Today · 4.125%
HK$28,166
baseline
▲ 0.50% · 4.625%
HK$29,880
+HK$1,714/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,332/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,486
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,276
−HK$803/mo
Today · 4.125%
HK$31,079
baseline
▲ 0.50% · 4.625%
HK$32,717
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,158/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,805
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,794
−HK$1,005/mo
Today · 4.125%
HK$33,799
baseline
▲ 0.50% · 4.625%
HK$35,856
+HK$2,057/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,598/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,383
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,332
−HK$962/mo
Today · 4.125%
HK$37,294
baseline
▲ 0.50% · 4.625%
HK$39,260
+HK$1,966/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,588/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,106
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,260
−HK$1,173/mo
Today · 4.125%
HK$39,433
baseline
▲ 0.50% · 4.625%
HK$41,832
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,866/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,280
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,387
−HK$1,123/mo
Today · 4.125%
HK$43,510
baseline
▲ 0.50% · 4.625%
HK$45,803
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,020/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,707
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,191
−HK$1,508/mo
Today · 4.125%
HK$50,699
baseline
▲ 0.50% · 4.625%
HK$53,784
+HK$3,085/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,398/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,074
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,497
−HK$1,444/mo
Today · 4.125%
HK$55,941
baseline
▲ 0.50% · 4.625%
HK$58,890
+HK$2,949/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,882/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,874 · Scale 2, in force from 26 Feb 2026)