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$26,473
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,296
−HK$837/mo
Today · 4.125%
HK$28,133
baseline
▲ 0.50% · 4.625%
HK$29,844
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,266/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,451
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,240
−HK$802/mo
Today · 4.125%
HK$31,042
baseline
▲ 0.50% · 4.625%
HK$32,678
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,084/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,767
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,755
−HK$1,004/mo
Today · 4.125%
HK$33,759
baseline
▲ 0.50% · 4.625%
HK$35,813
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,518/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,341
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,288
−HK$962/mo
Today · 4.125%
HK$37,250
baseline
▲ 0.50% · 4.625%
HK$39,213
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,500/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,062
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,214
−HK$1,172/mo
Today · 4.125%
HK$39,386
baseline
▲ 0.50% · 4.625%
HK$41,782
+HK$2,396/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,772/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,231
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,336
−HK$1,122/mo
Today · 4.125%
HK$43,458
baseline
▲ 0.50% · 4.625%
HK$45,749
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,916/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,651
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,133
−HK$1,506/mo
Today · 4.125%
HK$50,639
baseline
▲ 0.50% · 4.625%
HK$53,720
+HK$3,081/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,278/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,011
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,433
−HK$1,442/mo
Today · 4.125%
HK$55,875
baseline
▲ 0.50% · 4.625%
HK$58,820
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,750/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,356 · Scale 2, in force from 26 Feb 2026)