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$26,406
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,227
−HK$835/mo
Today · 4.125%
HK$28,062
baseline
▲ 0.50% · 4.625%
HK$29,769
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,124/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,376
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,164
−HK$800/mo
Today · 4.125%
HK$30,964
baseline
▲ 0.50% · 4.625%
HK$32,596
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,928/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,687
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,673
−HK$1,001/mo
Today · 4.125%
HK$33,674
baseline
▲ 0.50% · 4.625%
HK$35,723
+HK$2,049/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,348/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,252
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,197
−HK$959/mo
Today · 4.125%
HK$37,156
baseline
▲ 0.50% · 4.625%
HK$39,115
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,312/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,968
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,118
−HK$1,169/mo
Today · 4.125%
HK$39,287
baseline
▲ 0.50% · 4.625%
HK$41,677
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,574/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,127
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,230
−HK$1,119/mo
Today · 4.125%
HK$43,349
baseline
▲ 0.50% · 4.625%
HK$45,634
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,698/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,531
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,009
−HK$1,502/mo
Today · 4.125%
HK$50,511
baseline
▲ 0.50% · 4.625%
HK$53,585
+HK$3,074/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,022/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,878
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,296
−HK$1,438/mo
Today · 4.125%
HK$55,734
baseline
▲ 0.50% · 4.625%
HK$58,672
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,468/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,261 · Scale 2, in force from 26 Feb 2026)