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$26,551
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,377
−HK$839/mo
Today · 4.125%
HK$28,216
baseline
▲ 0.50% · 4.625%
HK$29,933
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,432/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,538
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,330
−HK$804/mo
Today · 4.125%
HK$31,134
baseline
▲ 0.50% · 4.625%
HK$32,775
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,268/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,861
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,852
−HK$1,007/mo
Today · 4.125%
HK$33,859
baseline
▲ 0.50% · 4.625%
HK$35,920
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,718/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,445
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,396
−HK$964/mo
Today · 4.125%
HK$37,360
baseline
▲ 0.50% · 4.625%
HK$39,330
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,720/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,171
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,328
−HK$1,174/mo
Today · 4.125%
HK$39,502
baseline
▲ 0.50% · 4.625%
HK$41,906
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,004/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,353
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,462
−HK$1,125/mo
Today · 4.125%
HK$43,587
baseline
▲ 0.50% · 4.625%
HK$45,885
+HK$2,298/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,174/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,792
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,279
−HK$1,510/mo
Today · 4.125%
HK$50,789
baseline
▲ 0.50% · 4.625%
HK$53,879
+HK$3,090/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,578/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,168
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,594
−HK$1,447/mo
Today · 4.125%
HK$56,041
baseline
▲ 0.50% · 4.625%
HK$58,994
+HK$2,953/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,082/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,646 · Scale 2, in force from 26 Feb 2026)