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$26,493
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,317
−HK$837/mo
Today · 4.125%
HK$28,154
baseline
▲ 0.50% · 4.625%
HK$29,867
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,308/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,473
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,263
−HK$802/mo
Today · 4.125%
HK$31,065
baseline
▲ 0.50% · 4.625%
HK$32,703
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,130/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,791
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,780
−HK$1,005/mo
Today · 4.125%
HK$33,785
baseline
▲ 0.50% · 4.625%
HK$35,841
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,570/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,367
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,316
−HK$962/mo
Today · 4.125%
HK$37,278
baseline
▲ 0.50% · 4.625%
HK$39,243
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,556/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,090
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,243
−HK$1,173/mo
Today · 4.125%
HK$39,416
baseline
▲ 0.50% · 4.625%
HK$41,814
+HK$2,398/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,832/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,262
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,369
−HK$1,122/mo
Today · 4.125%
HK$43,491
baseline
▲ 0.50% · 4.625%
HK$45,784
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,982/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,687
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,170
−HK$1,507/mo
Today · 4.125%
HK$50,677
baseline
▲ 0.50% · 4.625%
HK$53,761
+HK$3,084/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,354/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,051
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,474
−HK$1,443/mo
Today · 4.125%
HK$55,917
baseline
▲ 0.50% · 4.625%
HK$58,865
+HK$2,948/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,834/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,687 · Scale 2, in force from 26 Feb 2026)