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$26,486
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,310
−HK$837/mo
Today · 4.125%
HK$28,147
baseline
▲ 0.50% · 4.625%
HK$29,859
+HK$1,712/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$435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,465
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,255
−HK$802/mo
Today · 4.125%
HK$31,057
baseline
▲ 0.50% · 4.625%
HK$32,694
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,114/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,783
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,771
−HK$1,005/mo
Today · 4.125%
HK$33,776
baseline
▲ 0.50% · 4.625%
HK$35,831
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,552/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,358
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,306
−HK$962/mo
Today · 4.125%
HK$37,268
baseline
▲ 0.50% · 4.625%
HK$39,233
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,536/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,080
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,233
−HK$1,172/mo
Today · 4.125%
HK$39,405
baseline
▲ 0.50% · 4.625%
HK$41,803
+HK$2,398/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,810/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,251
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,357
−HK$1,123/mo
Today · 4.125%
HK$43,480
baseline
▲ 0.50% · 4.625%
HK$45,772
+HK$2,292/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,960/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,674
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,157
−HK$1,507/mo
Today · 4.125%
HK$50,664
baseline
▲ 0.50% · 4.625%
HK$53,747
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,328/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,037
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,460
−HK$1,443/mo
Today · 4.125%
HK$55,903
baseline
▲ 0.50% · 4.625%
HK$58,849
+HK$2,946/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,806/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,571 · Scale 2, in force from 26 Feb 2026)