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$26,400
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,221
−HK$834/mo
Today · 4.125%
HK$28,055
baseline
▲ 0.50% · 4.625%
HK$29,763
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,110/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,370
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,157
−HK$799/mo
Today · 4.125%
HK$30,956
baseline
▲ 0.50% · 4.625%
HK$32,588
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,912/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,680
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,665
−HK$1,001/mo
Today · 4.125%
HK$33,666
baseline
▲ 0.50% · 4.625%
HK$35,715
+HK$2,049/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,332/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,244
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,189
−HK$959/mo
Today · 4.125%
HK$37,148
baseline
▲ 0.50% · 4.625%
HK$39,106
+HK$1,958/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,296/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,960
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,110
−HK$1,168/mo
Today · 4.125%
HK$39,278
baseline
▲ 0.50% · 4.625%
HK$41,668
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,556/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,117
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,220
−HK$1,119/mo
Today · 4.125%
HK$43,339
baseline
▲ 0.50% · 4.625%
HK$45,623
+HK$2,284/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,678/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,520
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,998
−HK$1,502/mo
Today · 4.125%
HK$50,500
baseline
▲ 0.50% · 4.625%
HK$53,573
+HK$3,073/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,000/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,865
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,283
−HK$1,438/mo
Today · 4.125%
HK$55,721
baseline
▲ 0.50% · 4.625%
HK$58,659
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,442/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,161 · Scale 2, in force from 26 Feb 2026)