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$26,436
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,259
−HK$835/mo
Today · 4.125%
HK$28,094
baseline
▲ 0.50% · 4.625%
HK$29,804
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,188/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,410
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,199
−HK$800/mo
Today · 4.125%
HK$30,999
baseline
▲ 0.50% · 4.625%
HK$32,633
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$61,998/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,724
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,710
−HK$1,003/mo
Today · 4.125%
HK$33,713
baseline
▲ 0.50% · 4.625%
HK$35,764
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,426/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,292
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,239
−HK$960/mo
Today · 4.125%
HK$37,199
baseline
▲ 0.50% · 4.625%
HK$39,160
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,398/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,011
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,162
−HK$1,170/mo
Today · 4.125%
HK$39,332
baseline
▲ 0.50% · 4.625%
HK$41,725
+HK$2,393/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,664/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,174
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,279
−HK$1,120/mo
Today · 4.125%
HK$43,399
baseline
▲ 0.50% · 4.625%
HK$45,686
+HK$2,287/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,798/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,586
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,066
−HK$1,504/mo
Today · 4.125%
HK$50,570
baseline
▲ 0.50% · 4.625%
HK$53,647
+HK$3,077/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,140/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,938
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,358
−HK$1,441/mo
Today · 4.125%
HK$55,799
baseline
▲ 0.50% · 4.625%
HK$58,740
+HK$2,941/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,598/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,761 · Scale 2, in force from 26 Feb 2026)