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$26,466
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,289
−HK$836/mo
Today · 4.125%
HK$28,125
baseline
▲ 0.50% · 4.625%
HK$29,837
+HK$1,712/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,250/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,443
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,232
−HK$801/mo
Today · 4.125%
HK$31,033
baseline
▲ 0.50% · 4.625%
HK$32,669
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,066/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,759
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,747
−HK$1,003/mo
Today · 4.125%
HK$33,750
baseline
▲ 0.50% · 4.625%
HK$35,804
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,500/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,331
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,279
−HK$961/mo
Today · 4.125%
HK$37,240
baseline
▲ 0.50% · 4.625%
HK$39,203
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,480/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,052
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,204
−HK$1,171/mo
Today · 4.125%
HK$39,375
baseline
▲ 0.50% · 4.625%
HK$41,771
+HK$2,396/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,750/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,220
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,325
−HK$1,122/mo
Today · 4.125%
HK$43,447
baseline
▲ 0.50% · 4.625%
HK$45,737
+HK$2,290/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,894/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,638
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,120
−HK$1,506/mo
Today · 4.125%
HK$50,626
baseline
▲ 0.50% · 4.625%
HK$53,706
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,252/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,997
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,418
−HK$1,442/mo
Today · 4.125%
HK$55,860
baseline
▲ 0.50% · 4.625%
HK$58,805
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,720/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,242 · Scale 2, in force from 26 Feb 2026)