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$26,458
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,281
−HK$836/mo
Today · 4.125%
HK$28,117
baseline
▲ 0.50% · 4.625%
HK$29,828
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,234/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,434
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,223
−HK$801/mo
Today · 4.125%
HK$31,024
baseline
▲ 0.50% · 4.625%
HK$32,659
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,048/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,749
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,737
−HK$1,003/mo
Today · 4.125%
HK$33,740
baseline
▲ 0.50% · 4.625%
HK$35,793
+HK$2,053/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,480/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,321
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,268
−HK$961/mo
Today · 4.125%
HK$37,229
baseline
▲ 0.50% · 4.625%
HK$39,191
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,458/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,041
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,193
−HK$1,170/mo
Today · 4.125%
HK$39,363
baseline
▲ 0.50% · 4.625%
HK$41,759
+HK$2,396/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,726/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,207
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,312
−HK$1,122/mo
Today · 4.125%
HK$43,434
baseline
▲ 0.50% · 4.625%
HK$45,723
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,868/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,624
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,105
−HK$1,505/mo
Today · 4.125%
HK$50,610
baseline
▲ 0.50% · 4.625%
HK$53,690
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,220/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,981
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,402
−HK$1,441/mo
Today · 4.125%
HK$55,843
baseline
▲ 0.50% · 4.625%
HK$58,787
+HK$2,944/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,686/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,109 · Scale 2, in force from 26 Feb 2026)