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$26,547
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,372
−HK$839/mo
Today · 4.125%
HK$28,211
baseline
▲ 0.50% · 4.625%
HK$29,928
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,422/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,533
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,325
−HK$803/mo
Today · 4.125%
HK$31,128
baseline
▲ 0.50% · 4.625%
HK$32,769
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,256/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,856
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,847
−HK$1,007/mo
Today · 4.125%
HK$33,854
baseline
▲ 0.50% · 4.625%
HK$35,913
+HK$2,059/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,708/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,439
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,390
−HK$964/mo
Today · 4.125%
HK$37,354
baseline
▲ 0.50% · 4.625%
HK$39,323
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,708/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,165
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,321
−HK$1,175/mo
Today · 4.125%
HK$39,496
baseline
▲ 0.50% · 4.625%
HK$41,899
+HK$2,403/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,992/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,346
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,455
−HK$1,125/mo
Today · 4.125%
HK$43,580
baseline
▲ 0.50% · 4.625%
HK$45,877
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,160/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,784
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,270
−HK$1,510/mo
Today · 4.125%
HK$50,780
baseline
▲ 0.50% · 4.625%
HK$53,870
+HK$3,090/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,560/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,159
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,585
−HK$1,446/mo
Today · 4.125%
HK$56,031
baseline
▲ 0.50% · 4.625%
HK$58,985
+HK$2,954/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,062/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,573 · Scale 2, in force from 26 Feb 2026)