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$26,462
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,286
−HK$836/mo
Today · 4.125%
HK$28,122
baseline
▲ 0.50% · 4.625%
HK$29,833
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,244/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,439
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,229
−HK$801/mo
Today · 4.125%
HK$31,030
baseline
▲ 0.50% · 4.625%
HK$32,665
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,060/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,755
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,743
−HK$1,003/mo
Today · 4.125%
HK$33,746
baseline
▲ 0.50% · 4.625%
HK$35,800
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,492/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,327
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,274
−HK$962/mo
Today · 4.125%
HK$37,236
baseline
▲ 0.50% · 4.625%
HK$39,198
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,472/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,047
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,200
−HK$1,171/mo
Today · 4.125%
HK$39,371
baseline
▲ 0.50% · 4.625%
HK$41,766
+HK$2,395/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,742/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,215
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,320
−HK$1,122/mo
Today · 4.125%
HK$43,442
baseline
▲ 0.50% · 4.625%
HK$45,731
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,884/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,632
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,114
−HK$1,505/mo
Today · 4.125%
HK$50,619
baseline
▲ 0.50% · 4.625%
HK$53,699
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,238/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,991
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,412
−HK$1,441/mo
Today · 4.125%
HK$55,853
baseline
▲ 0.50% · 4.625%
HK$58,798
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,706/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,189 · Scale 2, in force from 26 Feb 2026)