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$26,478
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,302
−HK$836/mo
Today · 4.125%
HK$28,138
baseline
▲ 0.50% · 4.625%
HK$29,850
+HK$1,712/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,276/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,456
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,246
−HK$802/mo
Today · 4.125%
HK$31,048
baseline
▲ 0.50% · 4.625%
HK$32,684
+HK$1,636/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,096/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,773
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,762
−HK$1,004/mo
Today · 4.125%
HK$33,766
baseline
▲ 0.50% · 4.625%
HK$35,821
+HK$2,055/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,532/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,348
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,296
−HK$961/mo
Today · 4.125%
HK$37,257
baseline
▲ 0.50% · 4.625%
HK$39,221
+HK$1,964/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,514/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,069
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,222
−HK$1,172/mo
Today · 4.125%
HK$39,394
baseline
▲ 0.50% · 4.625%
HK$41,791
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,788/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,239
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,345
−HK$1,122/mo
Today · 4.125%
HK$43,467
baseline
▲ 0.50% · 4.625%
HK$45,758
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,934/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,660
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,143
−HK$1,506/mo
Today · 4.125%
HK$50,649
baseline
▲ 0.50% · 4.625%
HK$53,731
+HK$3,082/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,298/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,022
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,444
−HK$1,442/mo
Today · 4.125%
HK$55,886
baseline
▲ 0.50% · 4.625%
HK$58,832
+HK$2,946/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,772/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,444 · Scale 2, in force from 26 Feb 2026)