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$26,470
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,293
−HK$837/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,841
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,447
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,237
−HK$801/mo
Today · 4.125%
HK$31,038
baseline
▲ 0.50% · 4.625%
HK$32,674
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,076/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,764
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,752
−HK$1,004/mo
Today · 4.125%
HK$33,756
baseline
▲ 0.50% · 4.625%
HK$35,809
+HK$2,053/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,512/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,337
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,284
−HK$962/mo
Today · 4.125%
HK$37,246
baseline
▲ 0.50% · 4.625%
HK$39,209
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,492/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,058
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,210
−HK$1,171/mo
Today · 4.125%
HK$39,381
baseline
▲ 0.50% · 4.625%
HK$41,778
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,762/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,226
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,332
−HK$1,122/mo
Today · 4.125%
HK$43,454
baseline
▲ 0.50% · 4.625%
HK$45,744
+HK$2,290/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,908/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,645
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,128
−HK$1,505/mo
Today · 4.125%
HK$50,633
baseline
▲ 0.50% · 4.625%
HK$53,714
+HK$3,081/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,266/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,005
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,427
−HK$1,442/mo
Today · 4.125%
HK$55,869
baseline
▲ 0.50% · 4.625%
HK$58,814
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,738/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,309 · Scale 2, in force from 26 Feb 2026)