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$26,521
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,346
−HK$838/mo
Today · 4.125%
HK$28,184
baseline
▲ 0.50% · 4.625%
HK$29,899
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,368/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,504
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,296
−HK$802/mo
Today · 4.125%
HK$31,098
baseline
▲ 0.50% · 4.625%
HK$32,738
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,196/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,825
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,815
−HK$1,006/mo
Today · 4.125%
HK$33,821
baseline
▲ 0.50% · 4.625%
HK$35,879
+HK$2,058/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,642/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,405
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,355
−HK$963/mo
Today · 4.125%
HK$37,318
baseline
▲ 0.50% · 4.625%
HK$39,285
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,636/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,130
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,284
−HK$1,174/mo
Today · 4.125%
HK$39,458
baseline
▲ 0.50% · 4.625%
HK$41,859
+HK$2,401/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,916/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,306
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,414
−HK$1,124/mo
Today · 4.125%
HK$43,538
baseline
▲ 0.50% · 4.625%
HK$45,833
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,076/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,738
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,223
−HK$1,509/mo
Today · 4.125%
HK$50,732
baseline
▲ 0.50% · 4.625%
HK$53,818
+HK$3,086/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,464/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,108
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,532
−HK$1,445/mo
Today · 4.125%
HK$55,977
baseline
▲ 0.50% · 4.625%
HK$58,928
+HK$2,951/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,954/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,153 · Scale 2, in force from 26 Feb 2026)