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$26,433
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,255
−HK$836/mo
Today · 4.125%
HK$28,091
baseline
▲ 0.50% · 4.625%
HK$29,800
+HK$1,709/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,182/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,407
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,195
−HK$800/mo
Today · 4.125%
HK$30,995
baseline
▲ 0.50% · 4.625%
HK$32,629
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$61,990/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,720
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,706
−HK$1,003/mo
Today · 4.125%
HK$33,709
baseline
▲ 0.50% · 4.625%
HK$35,760
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,418/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,288
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,234
−HK$960/mo
Today · 4.125%
HK$37,194
baseline
▲ 0.50% · 4.625%
HK$39,155
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,388/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,006
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,157
−HK$1,170/mo
Today · 4.125%
HK$39,327
baseline
▲ 0.50% · 4.625%
HK$41,720
+HK$2,393/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,654/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,169
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,273
−HK$1,120/mo
Today · 4.125%
HK$43,393
baseline
▲ 0.50% · 4.625%
HK$45,681
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,786/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,580
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,060
−HK$1,503/mo
Today · 4.125%
HK$50,563
baseline
▲ 0.50% · 4.625%
HK$53,640
+HK$3,077/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,126/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,932
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,351
−HK$1,441/mo
Today · 4.125%
HK$55,792
baseline
▲ 0.50% · 4.625%
HK$58,732
+HK$2,940/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,584/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,706 · Scale 2, in force from 26 Feb 2026)