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$26,444
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,267
−HK$836/mo
Today · 4.125%
HK$28,103
baseline
▲ 0.50% · 4.625%
HK$29,812
+HK$1,709/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,206/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,419
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,208
−HK$800/mo
Today · 4.125%
HK$31,008
baseline
▲ 0.50% · 4.625%
HK$32,643
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,016/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,733
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,720
−HK$1,003/mo
Today · 4.125%
HK$33,723
baseline
▲ 0.50% · 4.625%
HK$35,775
+HK$2,052/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,446/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,303
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,250
−HK$960/mo
Today · 4.125%
HK$37,210
baseline
▲ 0.50% · 4.625%
HK$39,171
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,420/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,022
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,174
−HK$1,170/mo
Today · 4.125%
HK$39,344
baseline
▲ 0.50% · 4.625%
HK$41,737
+HK$2,393/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,688/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,187
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,291
−HK$1,121/mo
Today · 4.125%
HK$43,412
baseline
▲ 0.50% · 4.625%
HK$45,700
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,824/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,600
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,080
−HK$1,505/mo
Today · 4.125%
HK$50,585
baseline
▲ 0.50% · 4.625%
HK$53,662
+HK$3,077/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,170/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,954
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,374
−HK$1,441/mo
Today · 4.125%
HK$55,815
baseline
▲ 0.50% · 4.625%
HK$58,757
+HK$2,942/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,630/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,889 · Scale 2, in force from 26 Feb 2026)