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$26,452
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,275
−HK$835/mo
Today · 4.125%
HK$28,110
baseline
▲ 0.50% · 4.625%
HK$29,821
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,220/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,427
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,216
−HK$801/mo
Today · 4.125%
HK$31,017
baseline
▲ 0.50% · 4.625%
HK$32,652
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,034/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,742
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,729
−HK$1,004/mo
Today · 4.125%
HK$33,733
baseline
▲ 0.50% · 4.625%
HK$35,785
+HK$2,052/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,466/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,313
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,260
−HK$961/mo
Today · 4.125%
HK$37,221
baseline
▲ 0.50% · 4.625%
HK$39,183
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,442/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,032
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,184
−HK$1,171/mo
Today · 4.125%
HK$39,355
baseline
▲ 0.50% · 4.625%
HK$41,749
+HK$2,394/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,710/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,198
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,303
−HK$1,121/mo
Today · 4.125%
HK$43,424
baseline
▲ 0.50% · 4.625%
HK$45,713
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,848/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,613
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,094
−HK$1,505/mo
Today · 4.125%
HK$50,599
baseline
▲ 0.50% · 4.625%
HK$53,678
+HK$3,079/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,198/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,969
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,390
−HK$1,441/mo
Today · 4.125%
HK$55,831
baseline
▲ 0.50% · 4.625%
HK$58,774
+HK$2,943/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,662/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,013 · Scale 2, in force from 26 Feb 2026)