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$26,541
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,367
−HK$838/mo
Today · 4.125%
HK$28,205
baseline
▲ 0.50% · 4.625%
HK$29,922
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,410/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,527
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,319
−HK$803/mo
Today · 4.125%
HK$31,122
baseline
▲ 0.50% · 4.625%
HK$32,762
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,244/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,849
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,840
−HK$1,007/mo
Today · 4.125%
HK$33,847
baseline
▲ 0.50% · 4.625%
HK$35,906
+HK$2,059/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,694/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,432
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,382
−HK$964/mo
Today · 4.125%
HK$37,346
baseline
▲ 0.50% · 4.625%
HK$39,315
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,692/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,158
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,313
−HK$1,175/mo
Today · 4.125%
HK$39,488
baseline
▲ 0.50% · 4.625%
HK$41,890
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,976/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,337
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,446
−HK$1,125/mo
Today · 4.125%
HK$43,571
baseline
▲ 0.50% · 4.625%
HK$45,867
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,142/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,774
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,260
−HK$1,510/mo
Today · 4.125%
HK$50,770
baseline
▲ 0.50% · 4.625%
HK$53,859
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,540/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,148
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,574
−HK$1,446/mo
Today · 4.125%
HK$56,020
baseline
▲ 0.50% · 4.625%
HK$58,972
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,040/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,483 · Scale 2, in force from 26 Feb 2026)