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$26,479
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,303
−HK$837/mo
Today · 4.125%
HK$28,140
baseline
▲ 0.50% · 4.625%
HK$29,852
+HK$1,712/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,280/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,458
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,248
−HK$802/mo
Today · 4.125%
HK$31,050
baseline
▲ 0.50% · 4.625%
HK$32,686
+HK$1,636/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,100/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,775
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,764
−HK$1,004/mo
Today · 4.125%
HK$33,768
baseline
▲ 0.50% · 4.625%
HK$35,823
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,536/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,350
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,298
−HK$962/mo
Today · 4.125%
HK$37,260
baseline
▲ 0.50% · 4.625%
HK$39,224
+HK$1,964/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,520/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,071
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,224
−HK$1,172/mo
Today · 4.125%
HK$39,396
baseline
▲ 0.50% · 4.625%
HK$41,793
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,792/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,241
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,348
−HK$1,122/mo
Today · 4.125%
HK$43,470
baseline
▲ 0.50% · 4.625%
HK$45,761
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,940/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,663
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,146
−HK$1,506/mo
Today · 4.125%
HK$50,652
baseline
▲ 0.50% · 4.625%
HK$53,734
+HK$3,082/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,304/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,025
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,447
−HK$1,442/mo
Today · 4.125%
HK$55,889
baseline
▲ 0.50% · 4.625%
HK$58,835
+HK$2,946/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,778/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,469 · Scale 2, in force from 26 Feb 2026)