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$26,534
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,360
−HK$838/mo
Today · 4.125%
HK$28,198
baseline
▲ 0.50% · 4.625%
HK$29,914
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,396/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,519
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,311
−HK$803/mo
Today · 4.125%
HK$31,114
baseline
▲ 0.50% · 4.625%
HK$32,754
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,228/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,841
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,832
−HK$1,006/mo
Today · 4.125%
HK$33,838
baseline
▲ 0.50% · 4.625%
HK$35,897
+HK$2,059/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,676/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,423
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,373
−HK$964/mo
Today · 4.125%
HK$37,337
baseline
▲ 0.50% · 4.625%
HK$39,305
+HK$1,968/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,674/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,148
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,304
−HK$1,174/mo
Today · 4.125%
HK$39,478
baseline
▲ 0.50% · 4.625%
HK$41,880
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,956/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,327
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,435
−HK$1,125/mo
Today · 4.125%
HK$43,560
baseline
▲ 0.50% · 4.625%
HK$45,856
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,120/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,762
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,248
−HK$1,509/mo
Today · 4.125%
HK$50,757
baseline
▲ 0.50% · 4.625%
HK$53,846
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,514/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,135
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,560
−HK$1,445/mo
Today · 4.125%
HK$56,005
baseline
▲ 0.50% · 4.625%
HK$58,958
+HK$2,953/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,010/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,373 · Scale 2, in force from 26 Feb 2026)