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$26,484
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,308
−HK$837/mo
Today · 4.125%
HK$28,145
baseline
▲ 0.50% · 4.625%
HK$29,858
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,290/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,464
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,254
−HK$801/mo
Today · 4.125%
HK$31,055
baseline
▲ 0.50% · 4.625%
HK$32,692
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,110/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,781
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,770
−HK$1,004/mo
Today · 4.125%
HK$33,774
baseline
▲ 0.50% · 4.625%
HK$35,829
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,548/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,356
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,304
−HK$962/mo
Today · 4.125%
HK$37,266
baseline
▲ 0.50% · 4.625%
HK$39,231
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,532/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,078
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,231
−HK$1,172/mo
Today · 4.125%
HK$39,403
baseline
▲ 0.50% · 4.625%
HK$41,801
+HK$2,398/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,806/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,249
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,355
−HK$1,123/mo
Today · 4.125%
HK$43,478
baseline
▲ 0.50% · 4.625%
HK$45,769
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,956/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,672
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,155
−HK$1,506/mo
Today · 4.125%
HK$50,661
baseline
▲ 0.50% · 4.625%
HK$53,744
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,322/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,034
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,457
−HK$1,443/mo
Today · 4.125%
HK$55,900
baseline
▲ 0.50% · 4.625%
HK$58,846
+HK$2,946/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,800/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,549 · Scale 2, in force from 26 Feb 2026)