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$26,439
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,261
−HK$835/mo
Today · 4.125%
HK$28,096
baseline
▲ 0.50% · 4.625%
HK$29,806
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,192/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,413
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,201
−HK$801/mo
Today · 4.125%
HK$31,002
baseline
▲ 0.50% · 4.625%
HK$32,636
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,004/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,726
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,713
−HK$1,003/mo
Today · 4.125%
HK$33,716
baseline
▲ 0.50% · 4.625%
HK$35,767
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,432/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,295
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,242
−HK$960/mo
Today · 4.125%
HK$37,202
baseline
▲ 0.50% · 4.625%
HK$39,163
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,404/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,014
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,165
−HK$1,170/mo
Today · 4.125%
HK$39,335
baseline
▲ 0.50% · 4.625%
HK$41,728
+HK$2,393/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,670/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,178
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,282
−HK$1,120/mo
Today · 4.125%
HK$43,402
baseline
▲ 0.50% · 4.625%
HK$45,690
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,804/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,589
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,070
−HK$1,504/mo
Today · 4.125%
HK$50,574
baseline
▲ 0.50% · 4.625%
HK$53,651
+HK$3,077/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,148/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,943
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,363
−HK$1,440/mo
Today · 4.125%
HK$55,803
baseline
▲ 0.50% · 4.625%
HK$58,744
+HK$2,941/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,606/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,796 · Scale 2, in force from 26 Feb 2026)