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$26,555
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,381
−HK$839/mo
Today · 4.125%
HK$28,220
baseline
▲ 0.50% · 4.625%
HK$29,938
+HK$1,718/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,440/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,542
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,335
−HK$803/mo
Today · 4.125%
HK$31,138
baseline
▲ 0.50% · 4.625%
HK$32,780
+HK$1,642/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,276/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,866
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,857
−HK$1,008/mo
Today · 4.125%
HK$33,865
baseline
▲ 0.50% · 4.625%
HK$35,925
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,730/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,451
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,402
−HK$964/mo
Today · 4.125%
HK$37,366
baseline
▲ 0.50% · 4.625%
HK$39,336
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,732/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,177
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,334
−HK$1,175/mo
Today · 4.125%
HK$39,509
baseline
▲ 0.50% · 4.625%
HK$41,913
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,018/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,359
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,469
−HK$1,125/mo
Today · 4.125%
HK$43,594
baseline
▲ 0.50% · 4.625%
HK$45,892
+HK$2,298/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,188/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,799
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,286
−HK$1,511/mo
Today · 4.125%
HK$50,797
baseline
▲ 0.50% · 4.625%
HK$53,888
+HK$3,091/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,594/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,176
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,602
−HK$1,447/mo
Today · 4.125%
HK$56,049
baseline
▲ 0.50% · 4.625%
HK$59,004
+HK$2,955/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,098/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,714 · Scale 2, in force from 26 Feb 2026)