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$26,535
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,361
−HK$838/mo
Today · 4.125%
HK$28,199
baseline
▲ 0.50% · 4.625%
HK$29,915
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,398/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,520
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,312
−HK$803/mo
Today · 4.125%
HK$31,115
baseline
▲ 0.50% · 4.625%
HK$32,755
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,230/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,842
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,833
−HK$1,006/mo
Today · 4.125%
HK$33,839
baseline
▲ 0.50% · 4.625%
HK$35,898
+HK$2,059/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,678/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,424
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,374
−HK$964/mo
Today · 4.125%
HK$37,338
baseline
▲ 0.50% · 4.625%
HK$39,306
+HK$1,968/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,676/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,150
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,305
−HK$1,174/mo
Today · 4.125%
HK$39,479
baseline
▲ 0.50% · 4.625%
HK$41,881
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,958/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,328
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,437
−HK$1,124/mo
Today · 4.125%
HK$43,561
baseline
▲ 0.50% · 4.625%
HK$45,857
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,122/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,764
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,249
−HK$1,510/mo
Today · 4.125%
HK$50,759
baseline
▲ 0.50% · 4.625%
HK$53,847
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,518/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,137
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,562
−HK$1,445/mo
Today · 4.125%
HK$56,007
baseline
▲ 0.50% · 4.625%
HK$58,960
+HK$2,953/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,014/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,388 · Scale 2, in force from 26 Feb 2026)