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$26,451
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,274
−HK$836/mo
Today · 4.125%
HK$28,110
baseline
▲ 0.50% · 4.625%
HK$29,821
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,220/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,427
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,216
−HK$801/mo
Today · 4.125%
HK$31,017
baseline
▲ 0.50% · 4.625%
HK$32,652
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,034/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,742
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,729
−HK$1,003/mo
Today · 4.125%
HK$33,732
baseline
▲ 0.50% · 4.625%
HK$35,785
+HK$2,053/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,464/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,312
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,259
−HK$961/mo
Today · 4.125%
HK$37,220
baseline
▲ 0.50% · 4.625%
HK$39,182
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,440/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,032
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,184
−HK$1,170/mo
Today · 4.125%
HK$39,354
baseline
▲ 0.50% · 4.625%
HK$41,749
+HK$2,395/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,708/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,198
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,302
−HK$1,121/mo
Today · 4.125%
HK$43,423
baseline
▲ 0.50% · 4.625%
HK$45,712
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,846/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,612
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,093
−HK$1,505/mo
Today · 4.125%
HK$50,598
baseline
▲ 0.50% · 4.625%
HK$53,677
+HK$3,079/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,196/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,968
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,389
−HK$1,441/mo
Today · 4.125%
HK$55,830
baseline
▲ 0.50% · 4.625%
HK$58,773
+HK$2,943/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,660/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,007 · Scale 2, in force from 26 Feb 2026)