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$26,554
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,380
−HK$840/mo
Today · 4.125%
HK$28,220
baseline
▲ 0.50% · 4.625%
HK$29,937
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,440/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,542
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,334
−HK$804/mo
Today · 4.125%
HK$31,138
baseline
▲ 0.50% · 4.625%
HK$32,779
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,276/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,865
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,857
−HK$1,007/mo
Today · 4.125%
HK$33,864
baseline
▲ 0.50% · 4.625%
HK$35,924
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,728/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,450
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,401
−HK$964/mo
Today · 4.125%
HK$37,365
baseline
▲ 0.50% · 4.625%
HK$39,335
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,730/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,176
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,333
−HK$1,175/mo
Today · 4.125%
HK$39,508
baseline
▲ 0.50% · 4.625%
HK$41,912
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,016/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,358
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,467
−HK$1,126/mo
Today · 4.125%
HK$43,593
baseline
▲ 0.50% · 4.625%
HK$45,891
+HK$2,298/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,186/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,798
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,285
−HK$1,510/mo
Today · 4.125%
HK$50,795
baseline
▲ 0.50% · 4.625%
HK$53,886
+HK$3,091/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,590/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,175
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,601
−HK$1,447/mo
Today · 4.125%
HK$56,048
baseline
▲ 0.50% · 4.625%
HK$59,002
+HK$2,954/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,096/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,703 · Scale 2, in force from 26 Feb 2026)