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$26,397
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,218
−HK$834/mo
Today · 4.125%
HK$28,052
baseline
▲ 0.50% · 4.625%
HK$29,759
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,104/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,366
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,154
−HK$799/mo
Today · 4.125%
HK$30,953
baseline
▲ 0.50% · 4.625%
HK$32,584
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,906/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,676
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,662
−HK$1,001/mo
Today · 4.125%
HK$33,663
baseline
▲ 0.50% · 4.625%
HK$35,711
+HK$2,048/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,326/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,239
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,185
−HK$958/mo
Today · 4.125%
HK$37,143
baseline
▲ 0.50% · 4.625%
HK$39,101
+HK$1,958/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,286/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,956
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,105
−HK$1,168/mo
Today · 4.125%
HK$39,273
baseline
▲ 0.50% · 4.625%
HK$41,663
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,546/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,113
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,215
−HK$1,119/mo
Today · 4.125%
HK$43,334
baseline
▲ 0.50% · 4.625%
HK$45,618
+HK$2,284/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,668/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,514
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,992
−HK$1,502/mo
Today · 4.125%
HK$50,494
baseline
▲ 0.50% · 4.625%
HK$53,566
+HK$3,072/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$100,988/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,859
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,277
−HK$1,438/mo
Today · 4.125%
HK$55,715
baseline
▲ 0.50% · 4.625%
HK$58,652
+HK$2,937/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,430/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,110 · Scale 2, in force from 26 Feb 2026)