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$26,389
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,210
−HK$834/mo
Today · 4.125%
HK$28,044
baseline
▲ 0.50% · 4.625%
HK$29,750
+HK$1,706/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,088/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,358
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,145
−HK$799/mo
Today · 4.125%
HK$30,944
baseline
▲ 0.50% · 4.625%
HK$32,575
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,888/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,667
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,652
−HK$1,001/mo
Today · 4.125%
HK$33,653
baseline
▲ 0.50% · 4.625%
HK$35,700
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,306/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,229
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,174
−HK$958/mo
Today · 4.125%
HK$37,132
baseline
▲ 0.50% · 4.625%
HK$39,090
+HK$1,958/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,264/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,945
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,094
−HK$1,168/mo
Today · 4.125%
HK$39,262
baseline
▲ 0.50% · 4.625%
HK$41,650
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,524/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,101
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,203
−HK$1,118/mo
Today · 4.125%
HK$43,321
baseline
▲ 0.50% · 4.625%
HK$45,605
+HK$2,284/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,642/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,500
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,978
−HK$1,501/mo
Today · 4.125%
HK$50,479
baseline
▲ 0.50% · 4.625%
HK$53,551
+HK$3,072/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$100,958/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,844
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,261
−HK$1,438/mo
Today · 4.125%
HK$55,699
baseline
▲ 0.50% · 4.625%
HK$58,635
+HK$2,936/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,398/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,983 · Scale 2, in force from 26 Feb 2026)