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$26,520
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,345
−HK$838/mo
Today · 4.125%
HK$28,183
baseline
▲ 0.50% · 4.625%
HK$29,898
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,366/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,503
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,295
−HK$802/mo
Today · 4.125%
HK$31,097
baseline
▲ 0.50% · 4.625%
HK$32,736
+HK$1,639/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,194/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,824
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,814
−HK$1,006/mo
Today · 4.125%
HK$33,820
baseline
▲ 0.50% · 4.625%
HK$35,878
+HK$2,058/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,640/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,404
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,353
−HK$964/mo
Today · 4.125%
HK$37,317
baseline
▲ 0.50% · 4.625%
HK$39,284
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,634/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,128
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,283
−HK$1,173/mo
Today · 4.125%
HK$39,456
baseline
▲ 0.50% · 4.625%
HK$41,857
+HK$2,401/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,912/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,305
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,412
−HK$1,124/mo
Today · 4.125%
HK$43,536
baseline
▲ 0.50% · 4.625%
HK$45,831
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,072/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,736
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,221
−HK$1,509/mo
Today · 4.125%
HK$50,730
baseline
▲ 0.50% · 4.625%
HK$53,816
+HK$3,086/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,460/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,106
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,530
−HK$1,445/mo
Today · 4.125%
HK$55,975
baseline
▲ 0.50% · 4.625%
HK$58,926
+HK$2,951/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,950/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,137 · Scale 2, in force from 26 Feb 2026)