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$26,456
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,279
−HK$836/mo
Today · 4.125%
HK$28,115
baseline
▲ 0.50% · 4.625%
HK$29,826
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,230/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,432
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,222
−HK$800/mo
Today · 4.125%
HK$31,022
baseline
▲ 0.50% · 4.625%
HK$32,658
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,044/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,747
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,735
−HK$1,003/mo
Today · 4.125%
HK$33,738
baseline
▲ 0.50% · 4.625%
HK$35,791
+HK$2,053/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,476/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,319
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,266
−HK$961/mo
Today · 4.125%
HK$37,227
baseline
▲ 0.50% · 4.625%
HK$39,189
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,454/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,039
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,191
−HK$1,170/mo
Today · 4.125%
HK$39,361
baseline
▲ 0.50% · 4.625%
HK$41,756
+HK$2,395/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,722/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,205
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,310
−HK$1,121/mo
Today · 4.125%
HK$43,431
baseline
▲ 0.50% · 4.625%
HK$45,721
+HK$2,290/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,862/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,621
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,102
−HK$1,505/mo
Today · 4.125%
HK$50,607
baseline
▲ 0.50% · 4.625%
HK$53,687
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,214/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,978
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,399
−HK$1,441/mo
Today · 4.125%
HK$55,840
baseline
▲ 0.50% · 4.625%
HK$58,784
+HK$2,944/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,680/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,085 · Scale 2, in force from 26 Feb 2026)