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$26,490
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,314
−HK$838/mo
Today · 4.125%
HK$28,152
baseline
▲ 0.50% · 4.625%
HK$29,865
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,304/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,470
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,261
−HK$802/mo
Today · 4.125%
HK$31,063
baseline
▲ 0.50% · 4.625%
HK$32,700
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,126/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,789
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,777
−HK$1,005/mo
Today · 4.125%
HK$33,782
baseline
▲ 0.50% · 4.625%
HK$35,838
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,564/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,364
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,313
−HK$962/mo
Today · 4.125%
HK$37,275
baseline
▲ 0.50% · 4.625%
HK$39,240
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,550/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,087
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,240
−HK$1,172/mo
Today · 4.125%
HK$39,412
baseline
▲ 0.50% · 4.625%
HK$41,810
+HK$2,398/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,824/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,258
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,365
−HK$1,123/mo
Today · 4.125%
HK$43,488
baseline
▲ 0.50% · 4.625%
HK$45,780
+HK$2,292/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,976/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,683
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,166
−HK$1,507/mo
Today · 4.125%
HK$50,673
baseline
▲ 0.50% · 4.625%
HK$53,756
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,346/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,047
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,469
−HK$1,444/mo
Today · 4.125%
HK$55,913
baseline
▲ 0.50% · 4.625%
HK$58,860
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,826/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,650 · Scale 2, in force from 26 Feb 2026)