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$26,471
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,294
−HK$837/mo
Today · 4.125%
HK$28,131
baseline
▲ 0.50% · 4.625%
HK$29,843
+HK$1,712/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,262/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,449
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,238
−HK$802/mo
Today · 4.125%
HK$31,040
baseline
▲ 0.50% · 4.625%
HK$32,676
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,080/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,765
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,753
−HK$1,004/mo
Today · 4.125%
HK$33,757
baseline
▲ 0.50% · 4.625%
HK$35,811
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,514/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,338
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,286
−HK$962/mo
Today · 4.125%
HK$37,248
baseline
▲ 0.50% · 4.625%
HK$39,211
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,496/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,059
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,212
−HK$1,171/mo
Today · 4.125%
HK$39,383
baseline
▲ 0.50% · 4.625%
HK$41,780
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,766/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,228
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,334
−HK$1,122/mo
Today · 4.125%
HK$43,456
baseline
▲ 0.50% · 4.625%
HK$45,746
+HK$2,290/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,912/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,648
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,130
−HK$1,506/mo
Today · 4.125%
HK$50,636
baseline
▲ 0.50% · 4.625%
HK$53,717
+HK$3,081/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,272/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,008
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,429
−HK$1,442/mo
Today · 4.125%
HK$55,871
baseline
▲ 0.50% · 4.625%
HK$58,816
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,742/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,328 · Scale 2, in force from 26 Feb 2026)