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$26,435
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,258
−HK$835/mo
Today · 4.125%
HK$28,093
baseline
▲ 0.50% · 4.625%
HK$29,802
+HK$1,709/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,186/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,409
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,198
−HK$800/mo
Today · 4.125%
HK$30,998
baseline
▲ 0.50% · 4.625%
HK$32,632
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$61,996/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,722
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,709
−HK$1,003/mo
Today · 4.125%
HK$33,712
baseline
▲ 0.50% · 4.625%
HK$35,763
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,424/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,291
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,237
−HK$960/mo
Today · 4.125%
HK$37,197
baseline
▲ 0.50% · 4.625%
HK$39,158
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,394/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,009
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,161
−HK$1,169/mo
Today · 4.125%
HK$39,330
baseline
▲ 0.50% · 4.625%
HK$41,723
+HK$2,393/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,660/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,173
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,277
−HK$1,120/mo
Today · 4.125%
HK$43,397
baseline
▲ 0.50% · 4.625%
HK$45,685
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,794/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,584
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,064
−HK$1,503/mo
Today · 4.125%
HK$50,567
baseline
▲ 0.50% · 4.625%
HK$53,644
+HK$3,077/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,134/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,936
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,356
−HK$1,440/mo
Today · 4.125%
HK$55,796
baseline
▲ 0.50% · 4.625%
HK$58,737
+HK$2,941/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,592/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,742 · Scale 2, in force from 26 Feb 2026)