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$26,539
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,365
−HK$838/mo
Today · 4.125%
HK$28,203
baseline
▲ 0.50% · 4.625%
HK$29,919
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,406/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,524
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,316
−HK$804/mo
Today · 4.125%
HK$31,120
baseline
▲ 0.50% · 4.625%
HK$32,760
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,240/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,847
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,838
−HK$1,006/mo
Today · 4.125%
HK$33,844
baseline
▲ 0.50% · 4.625%
HK$35,903
+HK$2,059/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,688/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,429
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,380
−HK$963/mo
Today · 4.125%
HK$37,343
baseline
▲ 0.50% · 4.625%
HK$39,312
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,686/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,155
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,310
−HK$1,175/mo
Today · 4.125%
HK$39,485
baseline
▲ 0.50% · 4.625%
HK$41,887
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,970/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,334
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,443
−HK$1,124/mo
Today · 4.125%
HK$43,567
baseline
▲ 0.50% · 4.625%
HK$45,864
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,134/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,770
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,256
−HK$1,510/mo
Today · 4.125%
HK$50,766
baseline
▲ 0.50% · 4.625%
HK$53,855
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,532/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,144
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,569
−HK$1,446/mo
Today · 4.125%
HK$56,015
baseline
▲ 0.50% · 4.625%
HK$58,968
+HK$2,953/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,030/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,449 · Scale 2, in force from 26 Feb 2026)