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$26,502
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,327
−HK$837/mo
Today · 4.125%
HK$28,164
baseline
▲ 0.50% · 4.625%
HK$29,878
+HK$1,714/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,328/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,484
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,274
−HK$803/mo
Today · 4.125%
HK$31,077
baseline
▲ 0.50% · 4.625%
HK$32,715
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,154/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,803
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,792
−HK$1,005/mo
Today · 4.125%
HK$33,797
baseline
▲ 0.50% · 4.625%
HK$35,854
+HK$2,057/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,594/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,380
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,329
−HK$963/mo
Today · 4.125%
HK$37,292
baseline
▲ 0.50% · 4.625%
HK$39,258
+HK$1,966/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,584/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,103
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,258
−HK$1,172/mo
Today · 4.125%
HK$39,430
baseline
▲ 0.50% · 4.625%
HK$41,829
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,860/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,277
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,384
−HK$1,123/mo
Today · 4.125%
HK$43,507
baseline
▲ 0.50% · 4.625%
HK$45,801
+HK$2,294/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,014/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,704
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,188
−HK$1,508/mo
Today · 4.125%
HK$50,696
baseline
▲ 0.50% · 4.625%
HK$53,781
+HK$3,085/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,392/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,071
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,494
−HK$1,444/mo
Today · 4.125%
HK$55,938
baseline
▲ 0.50% · 4.625%
HK$58,887
+HK$2,949/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,876/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,847 · Scale 2, in force from 26 Feb 2026)