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$26,430
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,252
−HK$835/mo
Today · 4.125%
HK$28,087
baseline
▲ 0.50% · 4.625%
HK$29,796
+HK$1,709/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,174/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,403
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,191
−HK$800/mo
Today · 4.125%
HK$30,991
baseline
▲ 0.50% · 4.625%
HK$32,625
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$61,982/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,716
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,702
−HK$1,003/mo
Today · 4.125%
HK$33,705
baseline
▲ 0.50% · 4.625%
HK$35,755
+HK$2,050/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$67,410/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,283
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,230
−HK$960/mo
Today · 4.125%
HK$37,190
baseline
▲ 0.50% · 4.625%
HK$39,150
+HK$1,960/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$74,380/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,002
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,153
−HK$1,169/mo
Today · 4.125%
HK$39,322
baseline
▲ 0.50% · 4.625%
HK$41,715
+HK$2,393/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,644/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,164
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,268
−HK$1,120/mo
Today · 4.125%
HK$43,388
baseline
▲ 0.50% · 4.625%
HK$45,675
+HK$2,287/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,776/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,574
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,053
−HK$1,504/mo
Today · 4.125%
HK$50,557
baseline
▲ 0.50% · 4.625%
HK$53,633
+HK$3,076/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,114/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,925
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,345
−HK$1,440/mo
Today · 4.125%
HK$55,785
baseline
▲ 0.50% · 4.625%
HK$58,725
+HK$2,940/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,570/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,652 · Scale 2, in force from 26 Feb 2026)