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$26,427
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,249
−HK$835/mo
Today · 4.125%
HK$28,084
baseline
▲ 0.50% · 4.625%
HK$29,793
+HK$1,709/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,168/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,400
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,188
−HK$800/mo
Today · 4.125%
HK$30,988
baseline
▲ 0.50% · 4.625%
HK$32,622
+HK$1,634/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,976/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,712
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,699
−HK$1,002/mo
Today · 4.125%
HK$33,701
baseline
▲ 0.50% · 4.625%
HK$35,752
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$67,402/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,280
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,226
−HK$960/mo
Today · 4.125%
HK$37,186
baseline
▲ 0.50% · 4.625%
HK$39,146
+HK$1,960/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$74,372/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,998
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,149
−HK$1,169/mo
Today · 4.125%
HK$39,318
baseline
▲ 0.50% · 4.625%
HK$41,710
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,636/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,160
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,264
−HK$1,119/mo
Today · 4.125%
HK$43,383
baseline
▲ 0.50% · 4.625%
HK$45,670
+HK$2,287/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,766/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,569
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,048
−HK$1,504/mo
Today · 4.125%
HK$50,552
baseline
▲ 0.50% · 4.625%
HK$53,627
+HK$3,075/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,104/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,920
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,339
−HK$1,440/mo
Today · 4.125%
HK$55,779
baseline
▲ 0.50% · 4.625%
HK$58,719
+HK$2,940/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,558/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,606 · Scale 2, in force from 26 Feb 2026)