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$26,494
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,319
−HK$837/mo
Today · 4.125%
HK$28,156
baseline
▲ 0.50% · 4.625%
HK$29,869
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,312/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,475
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,265
−HK$802/mo
Today · 4.125%
HK$31,067
baseline
▲ 0.50% · 4.625%
HK$32,705
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,134/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,793
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,782
−HK$1,005/mo
Today · 4.125%
HK$33,787
baseline
▲ 0.50% · 4.625%
HK$35,843
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,574/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,370
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,318
−HK$963/mo
Today · 4.125%
HK$37,281
baseline
▲ 0.50% · 4.625%
HK$39,246
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,562/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,092
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,246
−HK$1,172/mo
Today · 4.125%
HK$39,418
baseline
▲ 0.50% · 4.625%
HK$41,817
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,836/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,265
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,371
−HK$1,123/mo
Today · 4.125%
HK$43,494
baseline
▲ 0.50% · 4.625%
HK$45,787
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,988/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,690
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,173
−HK$1,508/mo
Today · 4.125%
HK$50,681
baseline
▲ 0.50% · 4.625%
HK$53,764
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,362/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,055
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,478
−HK$1,443/mo
Today · 4.125%
HK$55,921
baseline
▲ 0.50% · 4.625%
HK$58,869
+HK$2,948/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,842/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,716 · Scale 2, in force from 26 Feb 2026)