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$26,491
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,315
−HK$838/mo
Today · 4.125%
HK$28,153
baseline
▲ 0.50% · 4.625%
HK$29,866
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,306/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,471
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,262
−HK$802/mo
Today · 4.125%
HK$31,064
baseline
▲ 0.50% · 4.625%
HK$32,701
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,128/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,790
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,779
−HK$1,004/mo
Today · 4.125%
HK$33,783
baseline
▲ 0.50% · 4.625%
HK$35,839
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,566/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,366
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,314
−HK$962/mo
Today · 4.125%
HK$37,276
baseline
▲ 0.50% · 4.625%
HK$39,241
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,552/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,088
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,242
−HK$1,172/mo
Today · 4.125%
HK$39,414
baseline
▲ 0.50% · 4.625%
HK$41,812
+HK$2,398/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,828/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,260
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,367
−HK$1,122/mo
Today · 4.125%
HK$43,489
baseline
▲ 0.50% · 4.625%
HK$45,782
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,978/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,685
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,168
−HK$1,507/mo
Today · 4.125%
HK$50,675
baseline
▲ 0.50% · 4.625%
HK$53,758
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,350/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,049
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,471
−HK$1,444/mo
Today · 4.125%
HK$55,915
baseline
▲ 0.50% · 4.625%
HK$58,862
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,830/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,666 · Scale 2, in force from 26 Feb 2026)