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$26,507
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,332
−HK$838/mo
Today · 4.125%
HK$28,170
baseline
▲ 0.50% · 4.625%
HK$29,884
+HK$1,714/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,340/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,489
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,280
−HK$802/mo
Today · 4.125%
HK$31,082
baseline
▲ 0.50% · 4.625%
HK$32,721
+HK$1,639/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,164/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,809
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,798
−HK$1,006/mo
Today · 4.125%
HK$33,804
baseline
▲ 0.50% · 4.625%
HK$35,860
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,608/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,387
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,336
−HK$963/mo
Today · 4.125%
HK$37,299
baseline
▲ 0.50% · 4.625%
HK$39,265
+HK$1,966/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,598/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,110
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,265
−HK$1,173/mo
Today · 4.125%
HK$39,438
baseline
▲ 0.50% · 4.625%
HK$41,837
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,876/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,285
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,392
−HK$1,123/mo
Today · 4.125%
HK$43,515
baseline
▲ 0.50% · 4.625%
HK$45,809
+HK$2,294/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,030/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,713
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,198
−HK$1,507/mo
Today · 4.125%
HK$50,705
baseline
▲ 0.50% · 4.625%
HK$53,791
+HK$3,086/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,410/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,081
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,504
−HK$1,444/mo
Today · 4.125%
HK$55,948
baseline
▲ 0.50% · 4.625%
HK$58,898
+HK$2,950/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,896/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,929 · Scale 2, in force from 26 Feb 2026)