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$26,452
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,275
−HK$836/mo
Today · 4.125%
HK$28,111
baseline
▲ 0.50% · 4.625%
HK$29,821
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,222/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,428
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,217
−HK$801/mo
Today · 4.125%
HK$31,018
baseline
▲ 0.50% · 4.625%
HK$32,653
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,036/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,742
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,730
−HK$1,003/mo
Today · 4.125%
HK$33,733
baseline
▲ 0.50% · 4.625%
HK$35,786
+HK$2,053/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,466/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,313
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,260
−HK$961/mo
Today · 4.125%
HK$37,221
baseline
▲ 0.50% · 4.625%
HK$39,183
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,442/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,033
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,185
−HK$1,170/mo
Today · 4.125%
HK$39,355
baseline
▲ 0.50% · 4.625%
HK$41,750
+HK$2,395/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,710/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,199
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,304
−HK$1,121/mo
Today · 4.125%
HK$43,425
baseline
▲ 0.50% · 4.625%
HK$45,714
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,850/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,614
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,095
−HK$1,505/mo
Today · 4.125%
HK$50,600
baseline
▲ 0.50% · 4.625%
HK$53,678
+HK$3,078/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,200/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,970
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,390
−HK$1,442/mo
Today · 4.125%
HK$55,832
baseline
▲ 0.50% · 4.625%
HK$58,775
+HK$2,943/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,664/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,018 · Scale 2, in force from 26 Feb 2026)