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$26,476
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,300
−HK$836/mo
Today · 4.125%
HK$28,136
baseline
▲ 0.50% · 4.625%
HK$29,848
+HK$1,712/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,272/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,454
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,244
−HK$802/mo
Today · 4.125%
HK$31,046
baseline
▲ 0.50% · 4.625%
HK$32,682
+HK$1,636/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,092/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,771
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,760
−HK$1,004/mo
Today · 4.125%
HK$33,764
baseline
▲ 0.50% · 4.625%
HK$35,818
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,528/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,345
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,293
−HK$962/mo
Today · 4.125%
HK$37,255
baseline
▲ 0.50% · 4.625%
HK$39,219
+HK$1,964/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,510/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,067
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,220
−HK$1,171/mo
Today · 4.125%
HK$39,391
baseline
▲ 0.50% · 4.625%
HK$41,788
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,782/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,236
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,342
−HK$1,122/mo
Today · 4.125%
HK$43,464
baseline
▲ 0.50% · 4.625%
HK$45,755
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,928/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,657
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,139
−HK$1,506/mo
Today · 4.125%
HK$50,645
baseline
▲ 0.50% · 4.625%
HK$53,727
+HK$3,082/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,290/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,018
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,440
−HK$1,442/mo
Today · 4.125%
HK$55,882
baseline
▲ 0.50% · 4.625%
HK$58,828
+HK$2,946/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,764/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,414 · Scale 2, in force from 26 Feb 2026)