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$26,454
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,276
−HK$836/mo
Today · 4.125%
HK$28,112
baseline
▲ 0.50% · 4.625%
HK$29,823
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,224/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,429
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,219
−HK$800/mo
Today · 4.125%
HK$31,019
baseline
▲ 0.50% · 4.625%
HK$32,654
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,038/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,744
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,732
−HK$1,003/mo
Today · 4.125%
HK$33,735
baseline
▲ 0.50% · 4.625%
HK$35,788
+HK$2,053/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,470/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,315
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,262
−HK$961/mo
Today · 4.125%
HK$37,223
baseline
▲ 0.50% · 4.625%
HK$39,185
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,446/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,035
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,187
−HK$1,170/mo
Today · 4.125%
HK$39,357
baseline
▲ 0.50% · 4.625%
HK$41,752
+HK$2,395/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,714/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,201
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,306
−HK$1,121/mo
Today · 4.125%
HK$43,427
baseline
▲ 0.50% · 4.625%
HK$45,716
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,854/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,616
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,098
−HK$1,504/mo
Today · 4.125%
HK$50,602
baseline
▲ 0.50% · 4.625%
HK$53,681
+HK$3,079/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,204/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,973
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,394
−HK$1,441/mo
Today · 4.125%
HK$55,835
baseline
▲ 0.50% · 4.625%
HK$58,778
+HK$2,943/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,670/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,043 · Scale 2, in force from 26 Feb 2026)