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$26,552
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,378
−HK$839/mo
Today · 4.125%
HK$28,217
baseline
▲ 0.50% · 4.625%
HK$29,934
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,434/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,539
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,331
−HK$804/mo
Today · 4.125%
HK$31,135
baseline
▲ 0.50% · 4.625%
HK$32,776
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,270/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,863
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,854
−HK$1,007/mo
Today · 4.125%
HK$33,861
baseline
▲ 0.50% · 4.625%
HK$35,921
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,722/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,447
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,398
−HK$964/mo
Today · 4.125%
HK$37,362
baseline
▲ 0.50% · 4.625%
HK$39,332
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,724/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,173
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,330
−HK$1,174/mo
Today · 4.125%
HK$39,504
baseline
▲ 0.50% · 4.625%
HK$41,908
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,008/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,355
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,464
−HK$1,125/mo
Today · 4.125%
HK$43,589
baseline
▲ 0.50% · 4.625%
HK$45,887
+HK$2,298/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,178/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,794
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,281
−HK$1,510/mo
Today · 4.125%
HK$50,791
baseline
▲ 0.50% · 4.625%
HK$53,882
+HK$3,091/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,582/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,171
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,597
−HK$1,446/mo
Today · 4.125%
HK$56,043
baseline
▲ 0.50% · 4.625%
HK$58,997
+HK$2,954/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,086/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,668 · Scale 2, in force from 26 Feb 2026)