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$26,411
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,232
−HK$835/mo
Today · 4.125%
HK$28,067
baseline
▲ 0.50% · 4.625%
HK$29,775
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,134/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,382
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,170
−HK$799/mo
Today · 4.125%
HK$30,969
baseline
▲ 0.50% · 4.625%
HK$32,602
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,938/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,693
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,679
−HK$1,001/mo
Today · 4.125%
HK$33,680
baseline
▲ 0.50% · 4.625%
HK$35,730
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,360/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,258
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,204
−HK$959/mo
Today · 4.125%
HK$37,163
baseline
▲ 0.50% · 4.625%
HK$39,122
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,326/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,975
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,125
−HK$1,169/mo
Today · 4.125%
HK$39,294
baseline
▲ 0.50% · 4.625%
HK$41,685
+HK$2,391/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,588/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,134
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,238
−HK$1,119/mo
Today · 4.125%
HK$43,357
baseline
▲ 0.50% · 4.625%
HK$45,642
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,714/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,539
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,018
−HK$1,503/mo
Today · 4.125%
HK$50,521
baseline
▲ 0.50% · 4.625%
HK$53,595
+HK$3,074/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,042/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,887
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,306
−HK$1,439/mo
Today · 4.125%
HK$55,745
baseline
▲ 0.50% · 4.625%
HK$58,683
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,490/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,340 · Scale 2, in force from 26 Feb 2026)