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$26,434
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,256
−HK$835/mo
Today · 4.125%
HK$28,091
baseline
▲ 0.50% · 4.625%
HK$29,801
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,182/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,407
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,196
−HK$800/mo
Today · 4.125%
HK$30,996
baseline
▲ 0.50% · 4.625%
HK$32,630
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$61,992/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,720
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,707
−HK$1,003/mo
Today · 4.125%
HK$33,710
baseline
▲ 0.50% · 4.625%
HK$35,761
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,420/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,289
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,235
−HK$960/mo
Today · 4.125%
HK$37,195
baseline
▲ 0.50% · 4.625%
HK$39,156
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,390/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,007
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,158
−HK$1,170/mo
Today · 4.125%
HK$39,328
baseline
▲ 0.50% · 4.625%
HK$41,721
+HK$2,393/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,656/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,170
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,274
−HK$1,120/mo
Today · 4.125%
HK$43,394
baseline
▲ 0.50% · 4.625%
HK$45,682
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,788/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,581
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,061
−HK$1,503/mo
Today · 4.125%
HK$50,564
baseline
▲ 0.50% · 4.625%
HK$53,641
+HK$3,077/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,128/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,933
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,353
−HK$1,440/mo
Today · 4.125%
HK$55,793
baseline
▲ 0.50% · 4.625%
HK$58,734
+HK$2,941/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,586/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,716 · Scale 2, in force from 26 Feb 2026)