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$26,431
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,253
−HK$835/mo
Today · 4.125%
HK$28,088
baseline
▲ 0.50% · 4.625%
HK$29,798
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,176/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,404
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,193
−HK$800/mo
Today · 4.125%
HK$30,993
baseline
▲ 0.50% · 4.625%
HK$32,627
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$61,986/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,717
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,704
−HK$1,002/mo
Today · 4.125%
HK$33,706
baseline
▲ 0.50% · 4.625%
HK$35,757
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$67,412/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,285
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,231
−HK$960/mo
Today · 4.125%
HK$37,191
baseline
▲ 0.50% · 4.625%
HK$39,152
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$74,382/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,003
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,154
−HK$1,170/mo
Today · 4.125%
HK$39,324
baseline
▲ 0.50% · 4.625%
HK$41,717
+HK$2,393/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,648/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,166
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,270
−HK$1,120/mo
Today · 4.125%
HK$43,390
baseline
▲ 0.50% · 4.625%
HK$45,677
+HK$2,287/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,780/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,576
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,056
−HK$1,503/mo
Today · 4.125%
HK$50,559
baseline
▲ 0.50% · 4.625%
HK$53,636
+HK$3,077/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,118/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,928
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,347
−HK$1,440/mo
Today · 4.125%
HK$55,787
baseline
▲ 0.50% · 4.625%
HK$58,728
+HK$2,941/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,574/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,672 · Scale 2, in force from 26 Feb 2026)