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$26,399
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,220
−HK$834/mo
Today · 4.125%
HK$28,054
baseline
▲ 0.50% · 4.625%
HK$29,761
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,108/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,368
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,156
−HK$799/mo
Today · 4.125%
HK$30,955
baseline
▲ 0.50% · 4.625%
HK$32,587
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,910/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,678
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,664
−HK$1,001/mo
Today · 4.125%
HK$33,665
baseline
▲ 0.50% · 4.625%
HK$35,713
+HK$2,048/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,330/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,242
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,187
−HK$959/mo
Today · 4.125%
HK$37,146
baseline
▲ 0.50% · 4.625%
HK$39,104
+HK$1,958/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,292/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,958
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,108
−HK$1,168/mo
Today · 4.125%
HK$39,276
baseline
▲ 0.50% · 4.625%
HK$41,665
+HK$2,389/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,552/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,115
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,218
−HK$1,119/mo
Today · 4.125%
HK$43,337
baseline
▲ 0.50% · 4.625%
HK$45,621
+HK$2,284/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,674/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,517
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,996
−HK$1,501/mo
Today · 4.125%
HK$50,497
baseline
▲ 0.50% · 4.625%
HK$53,570
+HK$3,073/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$100,994/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,863
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,280
−HK$1,439/mo
Today · 4.125%
HK$55,719
baseline
▲ 0.50% · 4.625%
HK$58,656
+HK$2,937/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,438/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,139 · Scale 2, in force from 26 Feb 2026)