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$26,517
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,341
−HK$838/mo
Today · 4.125%
HK$28,179
baseline
▲ 0.50% · 4.625%
HK$29,894
+HK$1,715/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,358/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,499
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,291
−HK$802/mo
Today · 4.125%
HK$31,093
baseline
▲ 0.50% · 4.625%
HK$32,732
+HK$1,639/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,186/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,820
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,810
−HK$1,005/mo
Today · 4.125%
HK$33,815
baseline
▲ 0.50% · 4.625%
HK$35,873
+HK$2,058/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,630/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,399
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,349
−HK$963/mo
Today · 4.125%
HK$37,312
baseline
▲ 0.50% · 4.625%
HK$39,279
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,624/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,123
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,278
−HK$1,173/mo
Today · 4.125%
HK$39,451
baseline
▲ 0.50% · 4.625%
HK$41,852
+HK$2,401/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,902/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,299
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,407
−HK$1,123/mo
Today · 4.125%
HK$43,530
baseline
▲ 0.50% · 4.625%
HK$45,825
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,060/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,730
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,214
−HK$1,509/mo
Today · 4.125%
HK$50,723
baseline
▲ 0.50% · 4.625%
HK$53,809
+HK$3,086/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,446/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,099
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,523
−HK$1,445/mo
Today · 4.125%
HK$55,968
baseline
▲ 0.50% · 4.625%
HK$58,918
+HK$2,950/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,936/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,079 · Scale 2, in force from 26 Feb 2026)