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$26,460
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,283
−HK$837/mo
Today · 4.125%
HK$28,120
baseline
▲ 0.50% · 4.625%
HK$29,831
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,240/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,437
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,226
−HK$801/mo
Today · 4.125%
HK$31,027
baseline
▲ 0.50% · 4.625%
HK$32,663
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,054/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,752
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,740
−HK$1,003/mo
Today · 4.125%
HK$33,743
baseline
▲ 0.50% · 4.625%
HK$35,797
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,486/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,324
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,271
−HK$962/mo
Today · 4.125%
HK$37,233
baseline
▲ 0.50% · 4.625%
HK$39,195
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,466/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,044
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,197
−HK$1,170/mo
Today · 4.125%
HK$39,367
baseline
▲ 0.50% · 4.625%
HK$41,763
+HK$2,396/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,734/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,211
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,317
−HK$1,121/mo
Today · 4.125%
HK$43,438
baseline
▲ 0.50% · 4.625%
HK$45,728
+HK$2,290/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,876/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,628
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,110
−HK$1,505/mo
Today · 4.125%
HK$50,615
baseline
▲ 0.50% · 4.625%
HK$53,695
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,230/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,986
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,407
−HK$1,442/mo
Today · 4.125%
HK$55,849
baseline
▲ 0.50% · 4.625%
HK$58,793
+HK$2,944/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,698/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,153 · Scale 2, in force from 26 Feb 2026)