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$26,415
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,236
−HK$835/mo
Today · 4.125%
HK$28,071
baseline
▲ 0.50% · 4.625%
HK$29,779
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,142/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,386
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,174
−HK$800/mo
Today · 4.125%
HK$30,974
baseline
▲ 0.50% · 4.625%
HK$32,606
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,948/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,698
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,684
−HK$1,001/mo
Today · 4.125%
HK$33,685
baseline
▲ 0.50% · 4.625%
HK$35,735
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,370/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,263
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,209
−HK$960/mo
Today · 4.125%
HK$37,169
baseline
▲ 0.50% · 4.625%
HK$39,128
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,338/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,981
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,131
−HK$1,169/mo
Today · 4.125%
HK$39,300
baseline
▲ 0.50% · 4.625%
HK$41,691
+HK$2,391/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,600/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,141
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,244
−HK$1,119/mo
Today · 4.125%
HK$43,363
baseline
▲ 0.50% · 4.625%
HK$45,649
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,726/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,547
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,025
−HK$1,503/mo
Today · 4.125%
HK$50,528
baseline
▲ 0.50% · 4.625%
HK$53,603
+HK$3,075/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,056/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,895
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,314
−HK$1,439/mo
Today · 4.125%
HK$55,753
baseline
▲ 0.50% · 4.625%
HK$58,692
+HK$2,939/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,506/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,404 · Scale 2, in force from 26 Feb 2026)