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$26,487
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,310
−HK$837/mo
Today · 4.125%
HK$28,147
baseline
▲ 0.50% · 4.625%
HK$29,860
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,294/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,466
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,256
−HK$802/mo
Today · 4.125%
HK$31,058
baseline
▲ 0.50% · 4.625%
HK$32,695
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,116/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,784
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,773
−HK$1,004/mo
Today · 4.125%
HK$33,777
baseline
▲ 0.50% · 4.625%
HK$35,832
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,554/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,359
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,308
−HK$962/mo
Today · 4.125%
HK$37,270
baseline
▲ 0.50% · 4.625%
HK$39,234
+HK$1,964/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,540/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,081
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,235
−HK$1,171/mo
Today · 4.125%
HK$39,406
baseline
▲ 0.50% · 4.625%
HK$41,804
+HK$2,398/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,812/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,252
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,359
−HK$1,122/mo
Today · 4.125%
HK$43,481
baseline
▲ 0.50% · 4.625%
HK$45,773
+HK$2,292/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,962/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,676
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,159
−HK$1,506/mo
Today · 4.125%
HK$50,665
baseline
▲ 0.50% · 4.625%
HK$53,748
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,330/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,039
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,461
−HK$1,443/mo
Today · 4.125%
HK$55,904
baseline
▲ 0.50% · 4.625%
HK$58,851
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,808/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,586 · Scale 2, in force from 26 Feb 2026)