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$26,540
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,365
−HK$839/mo
Today · 4.125%
HK$28,204
baseline
▲ 0.50% · 4.625%
HK$29,920
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,408/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,525
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,317
−HK$803/mo
Today · 4.125%
HK$31,120
baseline
▲ 0.50% · 4.625%
HK$32,761
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,240/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,848
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,838
−HK$1,007/mo
Today · 4.125%
HK$33,845
baseline
▲ 0.50% · 4.625%
HK$35,904
+HK$2,059/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,690/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,430
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,380
−HK$964/mo
Today · 4.125%
HK$37,344
baseline
▲ 0.50% · 4.625%
HK$39,313
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,688/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,156
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,311
−HK$1,175/mo
Today · 4.125%
HK$39,486
baseline
▲ 0.50% · 4.625%
HK$41,888
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,972/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,335
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,444
−HK$1,125/mo
Today · 4.125%
HK$43,569
baseline
▲ 0.50% · 4.625%
HK$45,865
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,138/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,772
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,258
−HK$1,509/mo
Today · 4.125%
HK$50,767
baseline
▲ 0.50% · 4.625%
HK$53,856
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,534/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,145
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,571
−HK$1,446/mo
Today · 4.125%
HK$56,017
baseline
▲ 0.50% · 4.625%
HK$58,969
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,034/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,460 · Scale 2, in force from 26 Feb 2026)