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$26,446
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,269
−HK$836/mo
Today · 4.125%
HK$28,105
baseline
▲ 0.50% · 4.625%
HK$29,815
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,210/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,421
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,210
−HK$801/mo
Today · 4.125%
HK$31,011
baseline
▲ 0.50% · 4.625%
HK$32,645
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,022/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,735
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,723
−HK$1,003/mo
Today · 4.125%
HK$33,726
baseline
▲ 0.50% · 4.625%
HK$35,778
+HK$2,052/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,452/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,305
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,252
−HK$961/mo
Today · 4.125%
HK$37,213
baseline
▲ 0.50% · 4.625%
HK$39,174
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,426/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,025
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,176
−HK$1,170/mo
Today · 4.125%
HK$39,346
baseline
▲ 0.50% · 4.625%
HK$41,741
+HK$2,395/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,692/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,190
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,294
−HK$1,121/mo
Today · 4.125%
HK$43,415
baseline
▲ 0.50% · 4.625%
HK$45,703
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,830/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,603
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,084
−HK$1,504/mo
Today · 4.125%
HK$50,588
baseline
▲ 0.50% · 4.625%
HK$53,666
+HK$3,078/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,176/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,958
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,378
−HK$1,441/mo
Today · 4.125%
HK$55,819
baseline
▲ 0.50% · 4.625%
HK$58,761
+HK$2,942/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,638/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,922 · Scale 2, in force from 26 Feb 2026)