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$26,553
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,379
−HK$839/mo
Today · 4.125%
HK$28,218
baseline
▲ 0.50% · 4.625%
HK$29,935
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,436/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,540
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,332
−HK$803/mo
Today · 4.125%
HK$31,135
baseline
▲ 0.50% · 4.625%
HK$32,777
+HK$1,642/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,270/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,863
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,854
−HK$1,007/mo
Today · 4.125%
HK$33,861
baseline
▲ 0.50% · 4.625%
HK$35,922
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,722/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,447
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,398
−HK$965/mo
Today · 4.125%
HK$37,363
baseline
▲ 0.50% · 4.625%
HK$39,332
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,726/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,174
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,330
−HK$1,175/mo
Today · 4.125%
HK$39,505
baseline
▲ 0.50% · 4.625%
HK$41,909
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,010/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,355
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,464
−HK$1,126/mo
Today · 4.125%
HK$43,590
baseline
▲ 0.50% · 4.625%
HK$45,887
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,180/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,795
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,281
−HK$1,511/mo
Today · 4.125%
HK$50,792
baseline
▲ 0.50% · 4.625%
HK$53,882
+HK$3,090/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,584/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,171
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,597
−HK$1,447/mo
Today · 4.125%
HK$56,044
baseline
▲ 0.50% · 4.625%
HK$58,998
+HK$2,954/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,088/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,672 · Scale 2, in force from 26 Feb 2026)