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$26,488
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,312
−HK$837/mo
Today · 4.125%
HK$28,149
baseline
▲ 0.50% · 4.625%
HK$29,862
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,298/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,468
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,258
−HK$802/mo
Today · 4.125%
HK$31,060
baseline
▲ 0.50% · 4.625%
HK$32,697
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,120/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,786
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,774
−HK$1,005/mo
Today · 4.125%
HK$33,779
baseline
▲ 0.50% · 4.625%
HK$35,834
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,558/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,361
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,309
−HK$963/mo
Today · 4.125%
HK$37,272
baseline
▲ 0.50% · 4.625%
HK$39,236
+HK$1,964/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,544/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,083
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,237
−HK$1,172/mo
Today · 4.125%
HK$39,409
baseline
▲ 0.50% · 4.625%
HK$41,806
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,818/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,255
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,361
−HK$1,122/mo
Today · 4.125%
HK$43,483
baseline
▲ 0.50% · 4.625%
HK$45,775
+HK$2,292/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,966/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,678
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,161
−HK$1,507/mo
Today · 4.125%
HK$50,668
baseline
▲ 0.50% · 4.625%
HK$53,751
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,336/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,042
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,464
−HK$1,443/mo
Today · 4.125%
HK$55,907
baseline
▲ 0.50% · 4.625%
HK$58,854
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,814/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,608 · Scale 2, in force from 26 Feb 2026)