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$26,465
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,288
−HK$837/mo
Today · 4.125%
HK$28,125
baseline
▲ 0.50% · 4.625%
HK$29,836
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,250/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,442
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,232
−HK$801/mo
Today · 4.125%
HK$31,033
baseline
▲ 0.50% · 4.625%
HK$32,669
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,066/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,758
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,746
−HK$1,004/mo
Today · 4.125%
HK$33,750
baseline
▲ 0.50% · 4.625%
HK$35,803
+HK$2,053/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,500/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,331
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,278
−HK$961/mo
Today · 4.125%
HK$37,239
baseline
▲ 0.50% · 4.625%
HK$39,202
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,478/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,051
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,204
−HK$1,171/mo
Today · 4.125%
HK$39,375
baseline
▲ 0.50% · 4.625%
HK$41,770
+HK$2,395/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,750/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,219
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,325
−HK$1,121/mo
Today · 4.125%
HK$43,446
baseline
▲ 0.50% · 4.625%
HK$45,736
+HK$2,290/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,892/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,637
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,119
−HK$1,506/mo
Today · 4.125%
HK$50,625
baseline
▲ 0.50% · 4.625%
HK$53,705
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,250/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,996
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,417
−HK$1,442/mo
Today · 4.125%
HK$55,859
baseline
▲ 0.50% · 4.625%
HK$58,804
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,718/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,234 · Scale 2, in force from 26 Feb 2026)