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$26,557
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,383
−HK$839/mo
Today · 4.125%
HK$28,222
baseline
▲ 0.50% · 4.625%
HK$29,939
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,444/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,544
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,336
−HK$804/mo
Today · 4.125%
HK$31,140
baseline
▲ 0.50% · 4.625%
HK$32,782
+HK$1,642/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,280/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,868
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,859
−HK$1,008/mo
Today · 4.125%
HK$33,867
baseline
▲ 0.50% · 4.625%
HK$35,927
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,734/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,453
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,404
−HK$964/mo
Today · 4.125%
HK$37,368
baseline
▲ 0.50% · 4.625%
HK$39,338
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,736/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,179
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,336
−HK$1,175/mo
Today · 4.125%
HK$39,511
baseline
▲ 0.50% · 4.625%
HK$41,915
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,022/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,362
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,471
−HK$1,125/mo
Today · 4.125%
HK$43,596
baseline
▲ 0.50% · 4.625%
HK$45,894
+HK$2,298/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,192/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,802
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,289
−HK$1,511/mo
Today · 4.125%
HK$50,800
baseline
▲ 0.50% · 4.625%
HK$53,891
+HK$3,091/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,600/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,179
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,606
−HK$1,447/mo
Today · 4.125%
HK$56,053
baseline
▲ 0.50% · 4.625%
HK$59,007
+HK$2,954/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,106/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,740 · Scale 2, in force from 26 Feb 2026)