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$26,474
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,298
−HK$836/mo
Today · 4.125%
HK$28,134
baseline
▲ 0.50% · 4.625%
HK$29,846
+HK$1,712/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,268/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,452
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,242
−HK$801/mo
Today · 4.125%
HK$31,043
baseline
▲ 0.50% · 4.625%
HK$32,680
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,086/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,769
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,757
−HK$1,004/mo
Today · 4.125%
HK$33,761
baseline
▲ 0.50% · 4.625%
HK$35,815
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,522/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,343
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,291
−HK$961/mo
Today · 4.125%
HK$37,252
baseline
▲ 0.50% · 4.625%
HK$39,216
+HK$1,964/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,504/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,064
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,217
−HK$1,171/mo
Today · 4.125%
HK$39,388
baseline
▲ 0.50% · 4.625%
HK$41,785
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,776/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,233
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,339
−HK$1,122/mo
Today · 4.125%
HK$43,461
baseline
▲ 0.50% · 4.625%
HK$45,752
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,922/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,653
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,136
−HK$1,506/mo
Today · 4.125%
HK$50,642
baseline
▲ 0.50% · 4.625%
HK$53,723
+HK$3,081/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,284/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,014
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,436
−HK$1,442/mo
Today · 4.125%
HK$55,878
baseline
▲ 0.50% · 4.625%
HK$58,824
+HK$2,946/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,756/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,381 · Scale 2, in force from 26 Feb 2026)