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$26,515
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,340
−HK$838/mo
Today · 4.125%
HK$28,178
baseline
▲ 0.50% · 4.625%
HK$29,892
+HK$1,714/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,356/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,498
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,289
−HK$802/mo
Today · 4.125%
HK$31,091
baseline
▲ 0.50% · 4.625%
HK$32,730
+HK$1,639/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,182/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,818
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,808
−HK$1,005/mo
Today · 4.125%
HK$33,813
baseline
▲ 0.50% · 4.625%
HK$35,871
+HK$2,058/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,626/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,397
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,347
−HK$963/mo
Today · 4.125%
HK$37,310
baseline
▲ 0.50% · 4.625%
HK$39,276
+HK$1,966/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,620/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,121
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,276
−HK$1,173/mo
Today · 4.125%
HK$39,449
baseline
▲ 0.50% · 4.625%
HK$41,849
+HK$2,400/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,898/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,297
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,404
−HK$1,124/mo
Today · 4.125%
HK$43,528
baseline
▲ 0.50% · 4.625%
HK$45,822
+HK$2,294/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,056/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,727
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,212
−HK$1,508/mo
Today · 4.125%
HK$50,720
baseline
▲ 0.50% · 4.625%
HK$53,806
+HK$3,086/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,440/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,096
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,520
−HK$1,445/mo
Today · 4.125%
HK$55,965
baseline
▲ 0.50% · 4.625%
HK$58,915
+HK$2,950/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,930/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,054 · Scale 2, in force from 26 Feb 2026)