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$26,407
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,229
−HK$834/mo
Today · 4.125%
HK$28,063
baseline
▲ 0.50% · 4.625%
HK$29,771
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,126/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,378
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,166
−HK$799/mo
Today · 4.125%
HK$30,965
baseline
▲ 0.50% · 4.625%
HK$32,597
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,930/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,689
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,675
−HK$1,001/mo
Today · 4.125%
HK$33,676
baseline
▲ 0.50% · 4.625%
HK$35,725
+HK$2,049/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,352/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,254
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,199
−HK$959/mo
Today · 4.125%
HK$37,158
baseline
▲ 0.50% · 4.625%
HK$39,117
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,316/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,970
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,120
−HK$1,169/mo
Today · 4.125%
HK$39,289
baseline
▲ 0.50% · 4.625%
HK$41,679
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,578/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,129
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,232
−HK$1,119/mo
Today · 4.125%
HK$43,351
baseline
▲ 0.50% · 4.625%
HK$45,636
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,702/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,533
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,012
−HK$1,502/mo
Today · 4.125%
HK$50,514
baseline
▲ 0.50% · 4.625%
HK$53,588
+HK$3,074/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,028/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,880
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,299
−HK$1,438/mo
Today · 4.125%
HK$55,737
baseline
▲ 0.50% · 4.625%
HK$58,675
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,474/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,285 · Scale 2, in force from 26 Feb 2026)