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$26,482
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,306
−HK$837/mo
Today · 4.125%
HK$28,143
baseline
▲ 0.50% · 4.625%
HK$29,855
+HK$1,712/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,286/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,461
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,251
−HK$802/mo
Today · 4.125%
HK$31,053
baseline
▲ 0.50% · 4.625%
HK$32,690
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,106/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,779
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,767
−HK$1,005/mo
Today · 4.125%
HK$33,772
baseline
▲ 0.50% · 4.625%
HK$35,827
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,544/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,354
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,302
−HK$962/mo
Today · 4.125%
HK$37,264
baseline
▲ 0.50% · 4.625%
HK$39,228
+HK$1,964/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,528/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,075
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,229
−HK$1,171/mo
Today · 4.125%
HK$39,400
baseline
▲ 0.50% · 4.625%
HK$41,798
+HK$2,398/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,800/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,246
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,352
−HK$1,122/mo
Today · 4.125%
HK$43,474
baseline
▲ 0.50% · 4.625%
HK$45,766
+HK$2,292/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,948/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,668
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,151
−HK$1,506/mo
Today · 4.125%
HK$50,657
baseline
▲ 0.50% · 4.625%
HK$53,740
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,314/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,030
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,453
−HK$1,442/mo
Today · 4.125%
HK$55,895
baseline
▲ 0.50% · 4.625%
HK$58,842
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,790/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,516 · Scale 2, in force from 26 Feb 2026)