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$26,481
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,304
−HK$837/mo
Today · 4.125%
HK$28,141
baseline
▲ 0.50% · 4.625%
HK$29,853
+HK$1,712/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,282/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,459
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,249
−HK$802/mo
Today · 4.125%
HK$31,051
baseline
▲ 0.50% · 4.625%
HK$32,688
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,102/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,777
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,765
−HK$1,004/mo
Today · 4.125%
HK$33,769
baseline
▲ 0.50% · 4.625%
HK$35,824
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,538/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,351
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,299
−HK$962/mo
Today · 4.125%
HK$37,261
baseline
▲ 0.50% · 4.625%
HK$39,225
+HK$1,964/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,522/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,073
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,226
−HK$1,172/mo
Today · 4.125%
HK$39,398
baseline
▲ 0.50% · 4.625%
HK$41,795
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,796/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,243
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,349
−HK$1,122/mo
Today · 4.125%
HK$43,471
baseline
▲ 0.50% · 4.625%
HK$45,763
+HK$2,292/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,942/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,665
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,148
−HK$1,506/mo
Today · 4.125%
HK$50,654
baseline
▲ 0.50% · 4.625%
HK$53,736
+HK$3,082/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,308/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,027
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,449
−HK$1,443/mo
Today · 4.125%
HK$55,892
baseline
▲ 0.50% · 4.625%
HK$58,838
+HK$2,946/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,784/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,487 · Scale 2, in force from 26 Feb 2026)