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$26,538
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,364
−HK$838/mo
Today · 4.125%
HK$28,202
baseline
▲ 0.50% · 4.625%
HK$29,919
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,404/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,524
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,315
−HK$804/mo
Today · 4.125%
HK$31,119
baseline
▲ 0.50% · 4.625%
HK$32,759
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,238/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,846
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,837
−HK$1,006/mo
Today · 4.125%
HK$33,843
baseline
▲ 0.50% · 4.625%
HK$35,902
+HK$2,059/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,686/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,428
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,378
−HK$964/mo
Today · 4.125%
HK$37,342
baseline
▲ 0.50% · 4.625%
HK$39,311
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,684/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,154
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,309
−HK$1,174/mo
Today · 4.125%
HK$39,483
baseline
▲ 0.50% · 4.625%
HK$41,886
+HK$2,403/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,966/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,333
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,442
−HK$1,124/mo
Today · 4.125%
HK$43,566
baseline
▲ 0.50% · 4.625%
HK$45,863
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,132/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,769
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,255
−HK$1,509/mo
Today · 4.125%
HK$50,764
baseline
▲ 0.50% · 4.625%
HK$53,853
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,528/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,142
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,568
−HK$1,446/mo
Today · 4.125%
HK$56,014
baseline
▲ 0.50% · 4.625%
HK$58,966
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,028/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,436 · Scale 2, in force from 26 Feb 2026)