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$26,539
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,365
−HK$839/mo
Today · 4.125%
HK$28,204
baseline
▲ 0.50% · 4.625%
HK$29,920
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,408/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,525
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,317
−HK$803/mo
Today · 4.125%
HK$31,120
baseline
▲ 0.50% · 4.625%
HK$32,760
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,240/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,847
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,838
−HK$1,006/mo
Today · 4.125%
HK$33,844
baseline
▲ 0.50% · 4.625%
HK$35,904
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,688/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,430
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,380
−HK$964/mo
Today · 4.125%
HK$37,344
baseline
▲ 0.50% · 4.625%
HK$39,312
+HK$1,968/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,688/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,155
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,311
−HK$1,174/mo
Today · 4.125%
HK$39,485
baseline
▲ 0.50% · 4.625%
HK$41,888
+HK$2,403/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,970/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,335
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,443
−HK$1,125/mo
Today · 4.125%
HK$43,568
baseline
▲ 0.50% · 4.625%
HK$45,865
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,136/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,771
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,257
−HK$1,510/mo
Today · 4.125%
HK$50,767
baseline
▲ 0.50% · 4.625%
HK$53,856
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,534/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,145
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,570
−HK$1,446/mo
Today · 4.125%
HK$56,016
baseline
▲ 0.50% · 4.625%
HK$58,969
+HK$2,953/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,032/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,455 · Scale 2, in force from 26 Feb 2026)