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$26,501
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,325
−HK$838/mo
Today · 4.125%
HK$28,163
baseline
▲ 0.50% · 4.625%
HK$29,876
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,326/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,482
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,273
−HK$802/mo
Today · 4.125%
HK$31,075
baseline
▲ 0.50% · 4.625%
HK$32,713
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,150/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,801
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,790
−HK$1,005/mo
Today · 4.125%
HK$33,795
baseline
▲ 0.50% · 4.625%
HK$35,852
+HK$2,057/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,590/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,378
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,327
−HK$963/mo
Today · 4.125%
HK$37,290
baseline
▲ 0.50% · 4.625%
HK$39,255
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,580/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,101
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,255
−HK$1,173/mo
Today · 4.125%
HK$39,428
baseline
▲ 0.50% · 4.625%
HK$41,827
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,856/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,275
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,382
−HK$1,123/mo
Today · 4.125%
HK$43,505
baseline
▲ 0.50% · 4.625%
HK$45,798
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,010/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,702
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,185
−HK$1,508/mo
Today · 4.125%
HK$50,693
baseline
▲ 0.50% · 4.625%
HK$53,777
+HK$3,084/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,386/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,067
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,491
−HK$1,444/mo
Today · 4.125%
HK$55,935
baseline
▲ 0.50% · 4.625%
HK$58,883
+HK$2,948/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,870/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,820 · Scale 2, in force from 26 Feb 2026)