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$26,425
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,247
−HK$835/mo
Today · 4.125%
HK$28,082
baseline
▲ 0.50% · 4.625%
HK$29,791
+HK$1,709/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,164/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,398
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,186
−HK$800/mo
Today · 4.125%
HK$30,986
baseline
▲ 0.50% · 4.625%
HK$32,619
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,972/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,710
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,697
−HK$1,002/mo
Today · 4.125%
HK$33,699
baseline
▲ 0.50% · 4.625%
HK$35,749
+HK$2,050/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$67,398/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,277
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,223
−HK$960/mo
Today · 4.125%
HK$37,183
baseline
▲ 0.50% · 4.625%
HK$39,143
+HK$1,960/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$74,366/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,995
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,146
−HK$1,169/mo
Today · 4.125%
HK$39,315
baseline
▲ 0.50% · 4.625%
HK$41,707
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,630/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,157
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,261
−HK$1,119/mo
Today · 4.125%
HK$43,380
baseline
▲ 0.50% · 4.625%
HK$45,667
+HK$2,287/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,760/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,565
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,045
−HK$1,503/mo
Today · 4.125%
HK$50,548
baseline
▲ 0.50% · 4.625%
HK$53,624
+HK$3,076/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,096/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,916
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,335
−HK$1,440/mo
Today · 4.125%
HK$55,775
baseline
▲ 0.50% · 4.625%
HK$58,715
+HK$2,940/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,550/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,577 · Scale 2, in force from 26 Feb 2026)