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$26,410
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,231
−HK$835/mo
Today · 4.125%
HK$28,066
baseline
▲ 0.50% · 4.625%
HK$29,773
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,132/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,380
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,168
−HK$800/mo
Today · 4.125%
HK$30,968
baseline
▲ 0.50% · 4.625%
HK$32,600
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,936/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,691
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,677
−HK$1,002/mo
Today · 4.125%
HK$33,679
baseline
▲ 0.50% · 4.625%
HK$35,728
+HK$2,049/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,358/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,256
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,202
−HK$959/mo
Today · 4.125%
HK$37,161
baseline
▲ 0.50% · 4.625%
HK$39,120
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,322/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,973
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,123
−HK$1,169/mo
Today · 4.125%
HK$39,292
baseline
▲ 0.50% · 4.625%
HK$41,683
+HK$2,391/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,584/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,132
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,236
−HK$1,119/mo
Today · 4.125%
HK$43,355
baseline
▲ 0.50% · 4.625%
HK$45,640
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,710/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,537
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,016
−HK$1,502/mo
Today · 4.125%
HK$50,518
baseline
▲ 0.50% · 4.625%
HK$53,592
+HK$3,074/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,036/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,885
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,303
−HK$1,439/mo
Today · 4.125%
HK$55,742
baseline
▲ 0.50% · 4.625%
HK$58,680
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,484/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,319 · Scale 2, in force from 26 Feb 2026)