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$26,477
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,301
−HK$837/mo
Today · 4.125%
HK$28,138
baseline
▲ 0.50% · 4.625%
HK$29,850
+HK$1,712/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,276/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,456
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,246
−HK$801/mo
Today · 4.125%
HK$31,047
baseline
▲ 0.50% · 4.625%
HK$32,684
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,094/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,773
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,761
−HK$1,004/mo
Today · 4.125%
HK$33,765
baseline
▲ 0.50% · 4.625%
HK$35,820
+HK$2,055/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,530/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,347
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,295
−HK$961/mo
Today · 4.125%
HK$37,256
baseline
▲ 0.50% · 4.625%
HK$39,220
+HK$1,964/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,512/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,068
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,221
−HK$1,172/mo
Today · 4.125%
HK$39,393
baseline
▲ 0.50% · 4.625%
HK$41,790
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,786/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,238
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,344
−HK$1,122/mo
Today · 4.125%
HK$43,466
baseline
▲ 0.50% · 4.625%
HK$45,757
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,932/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,659
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,141
−HK$1,507/mo
Today · 4.125%
HK$50,648
baseline
▲ 0.50% · 4.625%
HK$53,729
+HK$3,081/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,296/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,020
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,442
−HK$1,443/mo
Today · 4.125%
HK$55,885
baseline
▲ 0.50% · 4.625%
HK$58,830
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,770/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,432 · Scale 2, in force from 26 Feb 2026)