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$26,420
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,242
−HK$835/mo
Today · 4.125%
HK$28,077
baseline
▲ 0.50% · 4.625%
HK$29,785
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,154/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,392
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,180
−HK$800/mo
Today · 4.125%
HK$30,980
baseline
▲ 0.50% · 4.625%
HK$32,613
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,960/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,704
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,690
−HK$1,002/mo
Today · 4.125%
HK$33,692
baseline
▲ 0.50% · 4.625%
HK$35,742
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,384/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,271
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,216
−HK$960/mo
Today · 4.125%
HK$37,176
baseline
▲ 0.50% · 4.625%
HK$39,136
+HK$1,960/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,352/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,988
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,139
−HK$1,169/mo
Today · 4.125%
HK$39,308
baseline
▲ 0.50% · 4.625%
HK$41,699
+HK$2,391/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,616/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,149
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,253
−HK$1,119/mo
Today · 4.125%
HK$43,372
baseline
▲ 0.50% · 4.625%
HK$45,658
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,744/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,556
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,035
−HK$1,503/mo
Today · 4.125%
HK$50,538
baseline
▲ 0.50% · 4.625%
HK$53,613
+HK$3,075/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,076/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,906
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,325
−HK$1,439/mo
Today · 4.125%
HK$55,764
baseline
▲ 0.50% · 4.625%
HK$58,703
+HK$2,939/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,528/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,493 · Scale 2, in force from 26 Feb 2026)