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$26,432
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,254
−HK$836/mo
Today · 4.125%
HK$28,090
baseline
▲ 0.50% · 4.625%
HK$29,799
+HK$1,709/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,180/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,405
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,194
−HK$800/mo
Today · 4.125%
HK$30,994
baseline
▲ 0.50% · 4.625%
HK$32,628
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$61,988/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,719
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,705
−HK$1,003/mo
Today · 4.125%
HK$33,708
baseline
▲ 0.50% · 4.625%
HK$35,759
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,416/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,287
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,233
−HK$960/mo
Today · 4.125%
HK$37,193
baseline
▲ 0.50% · 4.625%
HK$39,153
+HK$1,960/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,386/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,005
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,156
−HK$1,169/mo
Today · 4.125%
HK$39,325
baseline
▲ 0.50% · 4.625%
HK$41,718
+HK$2,393/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,650/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,168
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,272
−HK$1,120/mo
Today · 4.125%
HK$43,392
baseline
▲ 0.50% · 4.625%
HK$45,679
+HK$2,287/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,784/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,578
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,058
−HK$1,503/mo
Today · 4.125%
HK$50,561
baseline
▲ 0.50% · 4.625%
HK$53,638
+HK$3,077/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,122/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,930
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,349
−HK$1,440/mo
Today · 4.125%
HK$55,789
baseline
▲ 0.50% · 4.625%
HK$58,730
+HK$2,941/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,578/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,690 · Scale 2, in force from 26 Feb 2026)