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$26,563
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,390
−HK$839/mo
Today · 4.125%
HK$28,229
baseline
▲ 0.50% · 4.625%
HK$29,947
+HK$1,718/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,458/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,551
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,344
−HK$804/mo
Today · 4.125%
HK$31,148
baseline
▲ 0.50% · 4.625%
HK$32,790
+HK$1,642/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,296/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,876
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$1,008/mo
Today · 4.125%
HK$33,875
baseline
▲ 0.50% · 4.625%
HK$35,936
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,750/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,462
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,413
−HK$965/mo
Today · 4.125%
HK$37,378
baseline
▲ 0.50% · 4.625%
HK$39,348
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,756/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,189
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,345
−HK$1,176/mo
Today · 4.125%
HK$39,521
baseline
▲ 0.50% · 4.625%
HK$41,925
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,042/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,372
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,482
−HK$1,125/mo
Today · 4.125%
HK$43,607
baseline
▲ 0.50% · 4.625%
HK$45,906
+HK$2,299/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,214/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,814
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,301
−HK$1,511/mo
Today · 4.125%
HK$50,812
baseline
▲ 0.50% · 4.625%
HK$53,904
+HK$3,092/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,624/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,193
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,619
−HK$1,447/mo
Today · 4.125%
HK$56,066
baseline
▲ 0.50% · 4.625%
HK$59,022
+HK$2,956/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,132/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,848 · Scale 2, in force from 26 Feb 2026)