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$1,660/mo
▼ 0.25% · 3.875%
HK$27,302
−HK$837/mo
Today · 4.125%
HK$28,139
baseline
▲ 0.50% · 4.625%
HK$29,851
+HK$1,712/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,278/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,457
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,247
−HK$802/mo
Today · 4.125%
HK$31,049
baseline
▲ 0.50% · 4.625%
HK$32,685
+HK$1,636/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,098/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,775
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,763
−HK$1,004/mo
Today · 4.125%
HK$33,767
baseline
▲ 0.50% · 4.625%
HK$35,822
+HK$2,055/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,534/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,349
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,297
−HK$962/mo
Today · 4.125%
HK$37,259
baseline
▲ 0.50% · 4.625%
HK$39,223
+HK$1,964/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,518/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,070
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,223
−HK$1,172/mo
Today · 4.125%
HK$39,395
baseline
▲ 0.50% · 4.625%
HK$41,792
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,790/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,240
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,346
−HK$1,122/mo
Today · 4.125%
HK$43,468
baseline
▲ 0.50% · 4.625%
HK$45,760
+HK$2,292/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,936/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,662
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,144
−HK$1,507/mo
Today · 4.125%
HK$50,651
baseline
▲ 0.50% · 4.625%
HK$53,733
+HK$3,082/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,302/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,023
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,445
−HK$1,443/mo
Today · 4.125%
HK$55,888
baseline
▲ 0.50% · 4.625%
HK$58,834
+HK$2,946/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,776/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,458 · Scale 2, in force from 26 Feb 2026)