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$26,496
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,320
−HK$837/mo
Today · 4.125%
HK$28,157
baseline
▲ 0.50% · 4.625%
HK$29,870
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,314/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,476
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,267
−HK$802/mo
Today · 4.125%
HK$31,069
baseline
▲ 0.50% · 4.625%
HK$32,706
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,138/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,795
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,784
−HK$1,005/mo
Today · 4.125%
HK$33,789
baseline
▲ 0.50% · 4.625%
HK$35,845
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,578/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,371
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,320
−HK$962/mo
Today · 4.125%
HK$37,282
baseline
▲ 0.50% · 4.625%
HK$39,248
+HK$1,966/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,564/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,094
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,248
−HK$1,172/mo
Today · 4.125%
HK$39,420
baseline
▲ 0.50% · 4.625%
HK$41,819
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,840/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,267
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,373
−HK$1,123/mo
Today · 4.125%
HK$43,496
baseline
▲ 0.50% · 4.625%
HK$45,789
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,992/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,692
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,176
−HK$1,507/mo
Today · 4.125%
HK$50,683
baseline
▲ 0.50% · 4.625%
HK$53,767
+HK$3,084/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,366/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,057
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,480
−HK$1,444/mo
Today · 4.125%
HK$55,924
baseline
▲ 0.50% · 4.625%
HK$58,871
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,848/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,736 · Scale 2, in force from 26 Feb 2026)