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$26,403
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,224
−HK$834/mo
Today · 4.125%
HK$28,058
baseline
▲ 0.50% · 4.625%
HK$29,766
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,116/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,373
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,160
−HK$799/mo
Today · 4.125%
HK$30,959
baseline
▲ 0.50% · 4.625%
HK$32,591
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,918/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,683
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,669
−HK$1,001/mo
Today · 4.125%
HK$33,670
baseline
▲ 0.50% · 4.625%
HK$35,719
+HK$2,049/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,340/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,247
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,192
−HK$959/mo
Today · 4.125%
HK$37,151
baseline
▲ 0.50% · 4.625%
HK$39,110
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,302/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,964
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,113
−HK$1,169/mo
Today · 4.125%
HK$39,282
baseline
▲ 0.50% · 4.625%
HK$41,672
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,564/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,122
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,224
−HK$1,119/mo
Today · 4.125%
HK$43,343
baseline
▲ 0.50% · 4.625%
HK$45,628
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,686/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,525
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,003
−HK$1,502/mo
Today · 4.125%
HK$50,505
baseline
▲ 0.50% · 4.625%
HK$53,578
+HK$3,073/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,010/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,871
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,289
−HK$1,438/mo
Today · 4.125%
HK$55,727
baseline
▲ 0.50% · 4.625%
HK$58,665
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,454/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,204 · Scale 2, in force from 26 Feb 2026)