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$1,659/mo
▼ 0.25% · 3.875%
HK$27,285
−HK$836/mo
Today · 4.125%
HK$28,121
baseline
▲ 0.50% · 4.625%
HK$29,832
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,242/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,438
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,228
−HK$801/mo
Today · 4.125%
HK$31,029
baseline
▲ 0.50% · 4.625%
HK$32,665
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,058/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,754
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,742
−HK$1,003/mo
Today · 4.125%
HK$33,745
baseline
▲ 0.50% · 4.625%
HK$35,799
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,490/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,326
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,274
−HK$961/mo
Today · 4.125%
HK$37,235
baseline
▲ 0.50% · 4.625%
HK$39,197
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,470/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,046
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,199
−HK$1,171/mo
Today · 4.125%
HK$39,370
baseline
▲ 0.50% · 4.625%
HK$41,765
+HK$2,395/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,740/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,214
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,319
−HK$1,122/mo
Today · 4.125%
HK$43,441
baseline
▲ 0.50% · 4.625%
HK$45,730
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,882/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,631
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,113
−HK$1,505/mo
Today · 4.125%
HK$50,618
baseline
▲ 0.50% · 4.625%
HK$53,698
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,236/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,989
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,410
−HK$1,442/mo
Today · 4.125%
HK$55,852
baseline
▲ 0.50% · 4.625%
HK$58,796
+HK$2,944/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,704/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,178 · Scale 2, in force from 26 Feb 2026)