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$26,468
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,291
−HK$836/mo
Today · 4.125%
HK$28,127
baseline
▲ 0.50% · 4.625%
HK$29,839
+HK$1,712/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,254/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,445
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,235
−HK$801/mo
Today · 4.125%
HK$31,036
baseline
▲ 0.50% · 4.625%
HK$32,672
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,072/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,761
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,749
−HK$1,004/mo
Today · 4.125%
HK$33,753
baseline
▲ 0.50% · 4.625%
HK$35,807
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,506/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,334
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,282
−HK$961/mo
Today · 4.125%
HK$37,243
baseline
▲ 0.50% · 4.625%
HK$39,206
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,486/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,055
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,207
−HK$1,171/mo
Today · 4.125%
HK$39,378
baseline
▲ 0.50% · 4.625%
HK$41,774
+HK$2,396/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,756/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,223
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,329
−HK$1,121/mo
Today · 4.125%
HK$43,450
baseline
▲ 0.50% · 4.625%
HK$45,740
+HK$2,290/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,900/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,642
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,124
−HK$1,505/mo
Today · 4.125%
HK$50,629
baseline
▲ 0.50% · 4.625%
HK$53,710
+HK$3,081/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,258/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,001
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,422
−HK$1,443/mo
Today · 4.125%
HK$55,865
baseline
▲ 0.50% · 4.625%
HK$58,809
+HK$2,944/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,730/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,275 · Scale 2, in force from 26 Feb 2026)