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$26,559
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,385
−HK$839/mo
Today · 4.125%
HK$28,224
baseline
▲ 0.50% · 4.625%
HK$29,942
+HK$1,718/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,448/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,546
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,339
−HK$804/mo
Today · 4.125%
HK$31,143
baseline
▲ 0.50% · 4.625%
HK$32,784
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,286/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,870
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,862
−HK$1,007/mo
Today · 4.125%
HK$33,869
baseline
▲ 0.50% · 4.625%
HK$35,930
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,738/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,456
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,406
−HK$965/mo
Today · 4.125%
HK$37,371
baseline
▲ 0.50% · 4.625%
HK$39,341
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,742/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,182
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,339
−HK$1,175/mo
Today · 4.125%
HK$39,514
baseline
▲ 0.50% · 4.625%
HK$41,918
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,028/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,365
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,474
−HK$1,126/mo
Today · 4.125%
HK$43,600
baseline
▲ 0.50% · 4.625%
HK$45,898
+HK$2,298/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,200/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,806
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,293
−HK$1,511/mo
Today · 4.125%
HK$50,804
baseline
▲ 0.50% · 4.625%
HK$53,895
+HK$3,091/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,608/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,183
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,610
−HK$1,447/mo
Today · 4.125%
HK$56,057
baseline
▲ 0.50% · 4.625%
HK$59,012
+HK$2,955/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,114/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,773 · Scale 2, in force from 26 Feb 2026)