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$26,518
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,343
−HK$838/mo
Today · 4.125%
HK$28,181
baseline
▲ 0.50% · 4.625%
HK$29,896
+HK$1,715/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,362/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,501
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,293
−HK$802/mo
Today · 4.125%
HK$31,095
baseline
▲ 0.50% · 4.625%
HK$32,734
+HK$1,639/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,190/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,822
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,812
−HK$1,006/mo
Today · 4.125%
HK$33,818
baseline
▲ 0.50% · 4.625%
HK$35,875
+HK$2,057/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,636/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,402
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,351
−HK$963/mo
Today · 4.125%
HK$37,314
baseline
▲ 0.50% · 4.625%
HK$39,281
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,628/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,126
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,281
−HK$1,173/mo
Today · 4.125%
HK$39,454
baseline
▲ 0.50% · 4.625%
HK$41,854
+HK$2,400/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,908/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,302
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,410
−HK$1,123/mo
Today · 4.125%
HK$43,533
baseline
▲ 0.50% · 4.625%
HK$45,828
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,066/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,733
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,218
−HK$1,508/mo
Today · 4.125%
HK$50,726
baseline
▲ 0.50% · 4.625%
HK$53,813
+HK$3,087/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,452/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,103
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,527
−HK$1,444/mo
Today · 4.125%
HK$55,971
baseline
▲ 0.50% · 4.625%
HK$58,922
+HK$2,951/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,942/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,108 · Scale 2, in force from 26 Feb 2026)