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$26,408
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,230
−HK$834/mo
Today · 4.125%
HK$28,064
baseline
▲ 0.50% · 4.625%
HK$29,772
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,128/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,379
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,167
−HK$799/mo
Today · 4.125%
HK$30,966
baseline
▲ 0.50% · 4.625%
HK$32,598
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,932/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,690
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,676
−HK$1,001/mo
Today · 4.125%
HK$33,677
baseline
▲ 0.50% · 4.625%
HK$35,726
+HK$2,049/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,354/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,255
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,200
−HK$959/mo
Today · 4.125%
HK$37,159
baseline
▲ 0.50% · 4.625%
HK$39,118
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,318/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,971
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,121
−HK$1,169/mo
Today · 4.125%
HK$39,290
baseline
▲ 0.50% · 4.625%
HK$41,681
+HK$2,391/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,580/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,130
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,233
−HK$1,120/mo
Today · 4.125%
HK$43,353
baseline
▲ 0.50% · 4.625%
HK$45,638
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,706/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,535
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,013
−HK$1,503/mo
Today · 4.125%
HK$50,516
baseline
▲ 0.50% · 4.625%
HK$53,589
+HK$3,073/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,032/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,882
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,300
−HK$1,439/mo
Today · 4.125%
HK$55,739
baseline
▲ 0.50% · 4.625%
HK$58,677
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,478/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,297 · Scale 2, in force from 26 Feb 2026)