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$26,438
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,260
−HK$836/mo
Today · 4.125%
HK$28,096
baseline
▲ 0.50% · 4.625%
HK$29,805
+HK$1,709/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,192/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,412
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,201
−HK$800/mo
Today · 4.125%
HK$31,001
baseline
▲ 0.50% · 4.625%
HK$32,635
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,002/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,725
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,712
−HK$1,003/mo
Today · 4.125%
HK$33,715
baseline
▲ 0.50% · 4.625%
HK$35,766
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,430/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,294
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,241
−HK$960/mo
Today · 4.125%
HK$37,201
baseline
▲ 0.50% · 4.625%
HK$39,162
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,402/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,013
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,164
−HK$1,170/mo
Today · 4.125%
HK$39,334
baseline
▲ 0.50% · 4.625%
HK$41,727
+HK$2,393/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,668/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,176
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,281
−HK$1,120/mo
Today · 4.125%
HK$43,401
baseline
▲ 0.50% · 4.625%
HK$45,689
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,802/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,588
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,068
−HK$1,504/mo
Today · 4.125%
HK$50,572
baseline
▲ 0.50% · 4.625%
HK$53,649
+HK$3,077/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,144/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,941
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,361
−HK$1,440/mo
Today · 4.125%
HK$55,801
baseline
▲ 0.50% · 4.625%
HK$58,743
+HK$2,942/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,602/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,784 · Scale 2, in force from 26 Feb 2026)