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$26,415
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,237
−HK$835/mo
Today · 4.125%
HK$28,072
baseline
▲ 0.50% · 4.625%
HK$29,780
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,144/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,387
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,175
−HK$799/mo
Today · 4.125%
HK$30,974
baseline
▲ 0.50% · 4.625%
HK$32,607
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,948/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,698
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,684
−HK$1,002/mo
Today · 4.125%
HK$33,686
baseline
▲ 0.50% · 4.625%
HK$35,736
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,372/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,264
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,210
−HK$959/mo
Today · 4.125%
HK$37,169
baseline
▲ 0.50% · 4.625%
HK$39,129
+HK$1,960/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,338/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,981
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,132
−HK$1,168/mo
Today · 4.125%
HK$39,300
baseline
▲ 0.50% · 4.625%
HK$41,692
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,600/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,141
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,245
−HK$1,119/mo
Today · 4.125%
HK$43,364
baseline
▲ 0.50% · 4.625%
HK$45,650
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,728/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,548
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,026
−HK$1,503/mo
Today · 4.125%
HK$50,529
baseline
▲ 0.50% · 4.625%
HK$53,604
+HK$3,075/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,058/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,896
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,315
−HK$1,439/mo
Today · 4.125%
HK$55,754
baseline
▲ 0.50% · 4.625%
HK$58,693
+HK$2,939/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,508/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,413 · Scale 2, in force from 26 Feb 2026)