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$26,391
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,212
−HK$834/mo
Today · 4.125%
HK$28,046
baseline
▲ 0.50% · 4.625%
HK$29,752
+HK$1,706/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,092/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,359
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,147
−HK$799/mo
Today · 4.125%
HK$30,946
baseline
▲ 0.50% · 4.625%
HK$32,577
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,892/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,669
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,654
−HK$1,001/mo
Today · 4.125%
HK$33,655
baseline
▲ 0.50% · 4.625%
HK$35,703
+HK$2,048/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,310/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,231
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,176
−HK$959/mo
Today · 4.125%
HK$37,135
baseline
▲ 0.50% · 4.625%
HK$39,092
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,270/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,947
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,096
−HK$1,168/mo
Today · 4.125%
HK$39,264
baseline
▲ 0.50% · 4.625%
HK$41,653
+HK$2,389/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,528/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,103
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,206
−HK$1,118/mo
Today · 4.125%
HK$43,324
baseline
▲ 0.50% · 4.625%
HK$45,608
+HK$2,284/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,648/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,503
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,981
−HK$1,501/mo
Today · 4.125%
HK$50,482
baseline
▲ 0.50% · 4.625%
HK$53,554
+HK$3,072/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$100,964/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,847
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,264
−HK$1,438/mo
Today · 4.125%
HK$55,702
baseline
▲ 0.50% · 4.625%
HK$58,638
+HK$2,936/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,404/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,010 · Scale 2, in force from 26 Feb 2026)