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$26,440
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,262
−HK$836/mo
Today · 4.125%
HK$28,098
baseline
▲ 0.50% · 4.625%
HK$29,808
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,196/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,414
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,203
−HK$800/mo
Today · 4.125%
HK$31,003
baseline
▲ 0.50% · 4.625%
HK$32,638
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,006/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,728
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,715
−HK$1,003/mo
Today · 4.125%
HK$33,718
baseline
▲ 0.50% · 4.625%
HK$35,769
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,436/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,297
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,244
−HK$960/mo
Today · 4.125%
HK$37,204
baseline
▲ 0.50% · 4.625%
HK$39,165
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,408/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,016
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,167
−HK$1,170/mo
Today · 4.125%
HK$39,337
baseline
▲ 0.50% · 4.625%
HK$41,731
+HK$2,394/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,674/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,180
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,284
−HK$1,121/mo
Today · 4.125%
HK$43,405
baseline
▲ 0.50% · 4.625%
HK$45,693
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,810/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,592
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,072
−HK$1,504/mo
Today · 4.125%
HK$50,576
baseline
▲ 0.50% · 4.625%
HK$53,654
+HK$3,078/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,152/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,946
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,366
−HK$1,440/mo
Today · 4.125%
HK$55,806
baseline
▲ 0.50% · 4.625%
HK$58,748
+HK$2,942/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,612/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,820 · Scale 2, in force from 26 Feb 2026)