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$26,564
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,390
−HK$840/mo
Today · 4.125%
HK$28,230
baseline
▲ 0.50% · 4.625%
HK$29,947
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,460/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,552
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,345
−HK$804/mo
Today · 4.125%
HK$31,149
baseline
▲ 0.50% · 4.625%
HK$32,791
+HK$1,642/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,298/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,877
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,868
−HK$1,008/mo
Today · 4.125%
HK$33,876
baseline
▲ 0.50% · 4.625%
HK$35,937
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,752/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,463
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,414
−HK$964/mo
Today · 4.125%
HK$37,378
baseline
▲ 0.50% · 4.625%
HK$39,349
+HK$1,971/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,756/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,190
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,346
−HK$1,176/mo
Today · 4.125%
HK$39,522
baseline
▲ 0.50% · 4.625%
HK$41,926
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,044/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,373
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,483
−HK$1,125/mo
Today · 4.125%
HK$43,608
baseline
▲ 0.50% · 4.625%
HK$45,907
+HK$2,299/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,216/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,815
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,302
−HK$1,512/mo
Today · 4.125%
HK$50,814
baseline
▲ 0.50% · 4.625%
HK$53,905
+HK$3,091/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,628/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,194
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,620
−HK$1,448/mo
Today · 4.125%
HK$56,068
baseline
▲ 0.50% · 4.625%
HK$59,023
+HK$2,955/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,136/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,858 · Scale 2, in force from 26 Feb 2026)