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$26,417
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,238
−HK$835/mo
Today · 4.125%
HK$28,073
baseline
▲ 0.50% · 4.625%
HK$29,781
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,146/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,388
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,176
−HK$800/mo
Today · 4.125%
HK$30,976
baseline
▲ 0.50% · 4.625%
HK$32,609
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,952/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,700
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,686
−HK$1,002/mo
Today · 4.125%
HK$33,688
baseline
▲ 0.50% · 4.625%
HK$35,738
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,376/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,266
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,212
−HK$959/mo
Today · 4.125%
HK$37,171
baseline
▲ 0.50% · 4.625%
HK$39,130
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,342/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,983
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,134
−HK$1,168/mo
Today · 4.125%
HK$39,302
baseline
▲ 0.50% · 4.625%
HK$41,694
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,604/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,143
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,247
−HK$1,119/mo
Today · 4.125%
HK$43,366
baseline
▲ 0.50% · 4.625%
HK$45,652
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,732/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,550
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,029
−HK$1,503/mo
Today · 4.125%
HK$50,532
baseline
▲ 0.50% · 4.625%
HK$53,606
+HK$3,074/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,064/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,899
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,317
−HK$1,440/mo
Today · 4.125%
HK$55,757
baseline
▲ 0.50% · 4.625%
HK$58,696
+HK$2,939/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,514/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,435 · Scale 2, in force from 26 Feb 2026)