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$26,487
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,311
−HK$837/mo
Today · 4.125%
HK$28,148
baseline
▲ 0.50% · 4.625%
HK$29,861
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,296/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,467
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,257
−HK$801/mo
Today · 4.125%
HK$31,058
baseline
▲ 0.50% · 4.625%
HK$32,696
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,116/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,784
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,773
−HK$1,005/mo
Today · 4.125%
HK$33,778
baseline
▲ 0.50% · 4.625%
HK$35,833
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,556/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,360
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,308
−HK$962/mo
Today · 4.125%
HK$37,270
baseline
▲ 0.50% · 4.625%
HK$39,235
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,540/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,082
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,235
−HK$1,172/mo
Today · 4.125%
HK$39,407
baseline
▲ 0.50% · 4.625%
HK$41,805
+HK$2,398/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,814/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,253
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,359
−HK$1,123/mo
Today · 4.125%
HK$43,482
baseline
▲ 0.50% · 4.625%
HK$45,774
+HK$2,292/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,964/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,677
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,160
−HK$1,506/mo
Today · 4.125%
HK$50,666
baseline
▲ 0.50% · 4.625%
HK$53,749
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,332/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,040
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,462
−HK$1,443/mo
Today · 4.125%
HK$55,905
baseline
▲ 0.50% · 4.625%
HK$58,852
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,810/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,593 · Scale 2, in force from 26 Feb 2026)