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$26,398
−HK$1,656/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$434,136 · 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$32,586
+HK$1,631/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$434,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,678
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,663
−HK$1,002/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$434,136 · 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$434,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,958
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,107
−HK$1,168/mo
Today · 4.125%
HK$39,275
baseline
▲ 0.50% · 4.625%
HK$41,665
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,550/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,115
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,218
−HK$1,118/mo
Today · 4.125%
HK$43,336
baseline
▲ 0.50% · 4.625%
HK$45,621
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,672/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,517
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,995
−HK$1,502/mo
Today · 4.125%
HK$50,497
baseline
▲ 0.50% · 4.625%
HK$53,569
+HK$3,072/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$434,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,862
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,280
−HK$1,438/mo
Today · 4.125%
HK$55,718
baseline
▲ 0.50% · 4.625%
HK$58,655
+HK$2,937/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,436/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,136 · Scale 2, in force from 26 Feb 2026)