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$26,530
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,355
−HK$839/mo
Today · 4.125%
HK$28,194
baseline
▲ 0.50% · 4.625%
HK$29,909
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,388/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,514
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,306
−HK$803/mo
Today · 4.125%
HK$31,109
baseline
▲ 0.50% · 4.625%
HK$32,749
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,218/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,836
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,826
−HK$1,006/mo
Today · 4.125%
HK$33,832
baseline
▲ 0.50% · 4.625%
HK$35,891
+HK$2,059/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,664/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,417
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,367
−HK$964/mo
Today · 4.125%
HK$37,331
baseline
▲ 0.50% · 4.625%
HK$39,299
+HK$1,968/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,662/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,142
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,297
−HK$1,174/mo
Today · 4.125%
HK$39,471
baseline
▲ 0.50% · 4.625%
HK$41,873
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,942/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,320
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,428
−HK$1,125/mo
Today · 4.125%
HK$43,553
baseline
▲ 0.50% · 4.625%
HK$45,848
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,106/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,754
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,240
−HK$1,509/mo
Today · 4.125%
HK$50,749
baseline
▲ 0.50% · 4.625%
HK$53,837
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,498/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,126
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,551
−HK$1,445/mo
Today · 4.125%
HK$55,996
baseline
▲ 0.50% · 4.625%
HK$58,948
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,992/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,301 · Scale 2, in force from 26 Feb 2026)