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$26,511
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,336
−HK$837/mo
Today · 4.125%
HK$28,173
baseline
▲ 0.50% · 4.625%
HK$29,888
+HK$1,715/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,346/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,493
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,284
−HK$803/mo
Today · 4.125%
HK$31,087
baseline
▲ 0.50% · 4.625%
HK$32,725
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,174/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,813
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,803
−HK$1,005/mo
Today · 4.125%
HK$33,808
baseline
▲ 0.50% · 4.625%
HK$35,865
+HK$2,057/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,616/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,392
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,341
−HK$963/mo
Today · 4.125%
HK$37,304
baseline
▲ 0.50% · 4.625%
HK$39,270
+HK$1,966/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,608/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,115
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,270
−HK$1,173/mo
Today · 4.125%
HK$39,443
baseline
▲ 0.50% · 4.625%
HK$41,843
+HK$2,400/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,886/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,290
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,398
−HK$1,123/mo
Today · 4.125%
HK$43,521
baseline
▲ 0.50% · 4.625%
HK$45,815
+HK$2,294/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,042/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,720
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,204
−HK$1,508/mo
Today · 4.125%
HK$50,712
baseline
▲ 0.50% · 4.625%
HK$53,798
+HK$3,086/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,424/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,088
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,511
−HK$1,445/mo
Today · 4.125%
HK$55,956
baseline
▲ 0.50% · 4.625%
HK$58,905
+HK$2,949/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,912/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,986 · Scale 2, in force from 26 Feb 2026)