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$26,486
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,310
−HK$837/mo
Today · 4.125%
HK$28,147
baseline
▲ 0.50% · 4.625%
HK$29,860
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,294/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,465
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,256
−HK$801/mo
Today · 4.125%
HK$31,057
baseline
▲ 0.50% · 4.625%
HK$32,694
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,114/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,783
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,772
−HK$1,004/mo
Today · 4.125%
HK$33,776
baseline
▲ 0.50% · 4.625%
HK$35,832
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,552/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,359
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,307
−HK$962/mo
Today · 4.125%
HK$37,269
baseline
▲ 0.50% · 4.625%
HK$39,233
+HK$1,964/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,538/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,080
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,234
−HK$1,172/mo
Today · 4.125%
HK$39,406
baseline
▲ 0.50% · 4.625%
HK$41,803
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,812/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,252
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,358
−HK$1,122/mo
Today · 4.125%
HK$43,480
baseline
▲ 0.50% · 4.625%
HK$45,772
+HK$2,292/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,960/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,675
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,158
−HK$1,506/mo
Today · 4.125%
HK$50,664
baseline
▲ 0.50% · 4.625%
HK$53,747
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,328/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,038
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,460
−HK$1,443/mo
Today · 4.125%
HK$55,903
baseline
▲ 0.50% · 4.625%
HK$58,850
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,806/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,577 · Scale 2, in force from 26 Feb 2026)