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$26,496
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,321
−HK$837/mo
Today · 4.125%
HK$28,158
baseline
▲ 0.50% · 4.625%
HK$29,871
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,316/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,477
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,268
−HK$802/mo
Today · 4.125%
HK$31,070
baseline
▲ 0.50% · 4.625%
HK$32,707
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,140/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,796
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,785
−HK$1,005/mo
Today · 4.125%
HK$33,790
baseline
▲ 0.50% · 4.625%
HK$35,846
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,580/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,372
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,321
−HK$963/mo
Today · 4.125%
HK$37,284
baseline
▲ 0.50% · 4.625%
HK$39,249
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,568/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,095
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,249
−HK$1,172/mo
Today · 4.125%
HK$39,421
baseline
▲ 0.50% · 4.625%
HK$41,820
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,842/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,268
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,375
−HK$1,122/mo
Today · 4.125%
HK$43,497
baseline
▲ 0.50% · 4.625%
HK$45,790
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,994/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,694
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,177
−HK$1,507/mo
Today · 4.125%
HK$50,684
baseline
▲ 0.50% · 4.625%
HK$53,768
+HK$3,084/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,368/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,059
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,482
−HK$1,443/mo
Today · 4.125%
HK$55,925
baseline
▲ 0.50% · 4.625%
HK$58,873
+HK$2,948/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,850/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,749 · Scale 2, in force from 26 Feb 2026)