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$26,551
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,377
−HK$839/mo
Today · 4.125%
HK$28,216
baseline
▲ 0.50% · 4.625%
HK$29,933
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,432/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,538
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,330
−HK$803/mo
Today · 4.125%
HK$31,133
baseline
▲ 0.50% · 4.625%
HK$32,774
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,266/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,861
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,852
−HK$1,007/mo
Today · 4.125%
HK$33,859
baseline
▲ 0.50% · 4.625%
HK$35,919
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,718/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,445
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,396
−HK$964/mo
Today · 4.125%
HK$37,360
baseline
▲ 0.50% · 4.625%
HK$39,329
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,720/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,171
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,327
−HK$1,175/mo
Today · 4.125%
HK$39,502
baseline
▲ 0.50% · 4.625%
HK$41,906
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,004/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,353
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,462
−HK$1,125/mo
Today · 4.125%
HK$43,587
baseline
▲ 0.50% · 4.625%
HK$45,884
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,174/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,792
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,278
−HK$1,510/mo
Today · 4.125%
HK$50,788
baseline
▲ 0.50% · 4.625%
HK$53,879
+HK$3,091/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,576/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,168
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,594
−HK$1,446/mo
Today · 4.125%
HK$56,040
baseline
▲ 0.50% · 4.625%
HK$58,994
+HK$2,954/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,080/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,643 · Scale 2, in force from 26 Feb 2026)