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$26,562
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,388
−HK$839/mo
Today · 4.125%
HK$28,227
baseline
▲ 0.50% · 4.625%
HK$29,945
+HK$1,718/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,454/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,550
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,342
−HK$804/mo
Today · 4.125%
HK$31,146
baseline
▲ 0.50% · 4.625%
HK$32,788
+HK$1,642/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,292/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,874
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,866
−HK$1,007/mo
Today · 4.125%
HK$33,873
baseline
▲ 0.50% · 4.625%
HK$35,934
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,746/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,460
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,411
−HK$964/mo
Today · 4.125%
HK$37,375
baseline
▲ 0.50% · 4.625%
HK$39,346
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,750/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,187
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,343
−HK$1,175/mo
Today · 4.125%
HK$39,518
baseline
▲ 0.50% · 4.625%
HK$41,923
+HK$2,405/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,036/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,370
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,479
−HK$1,126/mo
Today · 4.125%
HK$43,605
baseline
▲ 0.50% · 4.625%
HK$45,903
+HK$2,298/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,210/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,811
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,298
−HK$1,511/mo
Today · 4.125%
HK$50,809
baseline
▲ 0.50% · 4.625%
HK$53,901
+HK$3,092/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,618/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,190
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,616
−HK$1,447/mo
Today · 4.125%
HK$56,063
baseline
▲ 0.50% · 4.625%
HK$59,018
+HK$2,955/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,126/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,823 · Scale 2, in force from 26 Feb 2026)