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$26,511
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,335
−HK$838/mo
Today · 4.125%
HK$28,173
baseline
▲ 0.50% · 4.625%
HK$29,887
+HK$1,714/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,346/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,493
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,284
−HK$802/mo
Today · 4.125%
HK$31,086
baseline
▲ 0.50% · 4.625%
HK$32,725
+HK$1,639/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,172/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,813
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,802
−HK$1,006/mo
Today · 4.125%
HK$33,808
baseline
▲ 0.50% · 4.625%
HK$35,865
+HK$2,057/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,616/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,391
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,341
−HK$963/mo
Today · 4.125%
HK$37,304
baseline
▲ 0.50% · 4.625%
HK$39,270
+HK$1,966/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,608/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,115
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,269
−HK$1,173/mo
Today · 4.125%
HK$39,442
baseline
▲ 0.50% · 4.625%
HK$41,842
+HK$2,400/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,884/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,290
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,397
−HK$1,124/mo
Today · 4.125%
HK$43,521
baseline
▲ 0.50% · 4.625%
HK$45,815
+HK$2,294/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,042/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,719
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,204
−HK$1,508/mo
Today · 4.125%
HK$50,712
baseline
▲ 0.50% · 4.625%
HK$53,797
+HK$3,085/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,424/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,087
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,511
−HK$1,444/mo
Today · 4.125%
HK$55,955
baseline
▲ 0.50% · 4.625%
HK$58,905
+HK$2,950/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,910/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,983 · Scale 2, in force from 26 Feb 2026)