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$26,527
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,353
−HK$838/mo
Today · 4.125%
HK$28,191
baseline
▲ 0.50% · 4.625%
HK$29,906
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,382/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,512
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,303
−HK$803/mo
Today · 4.125%
HK$31,106
baseline
▲ 0.50% · 4.625%
HK$32,746
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,212/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,833
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,823
−HK$1,006/mo
Today · 4.125%
HK$33,829
baseline
▲ 0.50% · 4.625%
HK$35,888
+HK$2,059/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,658/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,414
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,364
−HK$963/mo
Today · 4.125%
HK$37,327
baseline
▲ 0.50% · 4.625%
HK$39,295
+HK$1,968/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,654/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,138
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,294
−HK$1,173/mo
Today · 4.125%
HK$39,467
baseline
▲ 0.50% · 4.625%
HK$41,869
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,934/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,316
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,424
−HK$1,124/mo
Today · 4.125%
HK$43,548
baseline
▲ 0.50% · 4.625%
HK$45,844
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,096/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,749
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,235
−HK$1,509/mo
Today · 4.125%
HK$50,744
baseline
▲ 0.50% · 4.625%
HK$53,831
+HK$3,087/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,488/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,121
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,545
−HK$1,446/mo
Today · 4.125%
HK$55,991
baseline
▲ 0.50% · 4.625%
HK$58,942
+HK$2,951/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,982/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,259 · Scale 2, in force from 26 Feb 2026)