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$26,536
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,361
−HK$839/mo
Today · 4.125%
HK$28,200
baseline
▲ 0.50% · 4.625%
HK$29,916
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,400/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,521
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,313
−HK$803/mo
Today · 4.125%
HK$31,116
baseline
▲ 0.50% · 4.625%
HK$32,756
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,232/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,843
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,834
−HK$1,006/mo
Today · 4.125%
HK$33,840
baseline
▲ 0.50% · 4.625%
HK$35,899
+HK$2,059/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,680/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,425
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,375
−HK$964/mo
Today · 4.125%
HK$37,339
baseline
▲ 0.50% · 4.625%
HK$39,307
+HK$1,968/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,678/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,150
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,306
−HK$1,174/mo
Today · 4.125%
HK$39,480
baseline
▲ 0.50% · 4.625%
HK$41,882
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,960/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,329
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,438
−HK$1,124/mo
Today · 4.125%
HK$43,562
baseline
▲ 0.50% · 4.625%
HK$45,858
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,124/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,765
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,250
−HK$1,510/mo
Today · 4.125%
HK$50,760
baseline
▲ 0.50% · 4.625%
HK$53,848
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,520/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,138
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,563
−HK$1,445/mo
Today · 4.125%
HK$56,008
baseline
▲ 0.50% · 4.625%
HK$58,961
+HK$2,953/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,016/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,397 · Scale 2, in force from 26 Feb 2026)