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$26,430
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,253
−HK$835/mo
Today · 4.125%
HK$28,088
baseline
▲ 0.50% · 4.625%
HK$29,797
+HK$1,709/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,176/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,404
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,192
−HK$800/mo
Today · 4.125%
HK$30,992
baseline
▲ 0.50% · 4.625%
HK$32,626
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$61,984/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,717
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,703
−HK$1,002/mo
Today · 4.125%
HK$33,705
baseline
▲ 0.50% · 4.625%
HK$35,756
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$67,410/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,284
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,231
−HK$960/mo
Today · 4.125%
HK$37,191
baseline
▲ 0.50% · 4.625%
HK$39,151
+HK$1,960/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$74,382/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,003
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,154
−HK$1,169/mo
Today · 4.125%
HK$39,323
baseline
▲ 0.50% · 4.625%
HK$41,716
+HK$2,393/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,646/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,165
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,269
−HK$1,120/mo
Today · 4.125%
HK$43,389
baseline
▲ 0.50% · 4.625%
HK$45,676
+HK$2,287/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,778/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,575
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,055
−HK$1,503/mo
Today · 4.125%
HK$50,558
baseline
▲ 0.50% · 4.625%
HK$53,635
+HK$3,077/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,116/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,927
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,346
−HK$1,440/mo
Today · 4.125%
HK$55,786
baseline
▲ 0.50% · 4.625%
HK$58,727
+HK$2,941/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,572/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,663 · Scale 2, in force from 26 Feb 2026)