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$26,410
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,232
−HK$834/mo
Today · 4.125%
HK$28,066
baseline
▲ 0.50% · 4.625%
HK$29,774
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,132/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,381
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,169
−HK$799/mo
Today · 4.125%
HK$30,968
baseline
▲ 0.50% · 4.625%
HK$32,601
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,936/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,692
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,678
−HK$1,002/mo
Today · 4.125%
HK$33,680
baseline
▲ 0.50% · 4.625%
HK$35,729
+HK$2,049/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,360/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,257
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,203
−HK$959/mo
Today · 4.125%
HK$37,162
baseline
▲ 0.50% · 4.625%
HK$39,121
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,324/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,974
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,124
−HK$1,169/mo
Today · 4.125%
HK$39,293
baseline
▲ 0.50% · 4.625%
HK$41,684
+HK$2,391/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,586/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,134
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,237
−HK$1,119/mo
Today · 4.125%
HK$43,356
baseline
▲ 0.50% · 4.625%
HK$45,641
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,712/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,538
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,017
−HK$1,503/mo
Today · 4.125%
HK$50,520
baseline
▲ 0.50% · 4.625%
HK$53,593
+HK$3,073/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,040/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,886
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,304
−HK$1,439/mo
Today · 4.125%
HK$55,743
baseline
▲ 0.50% · 4.625%
HK$58,682
+HK$2,939/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,486/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,331 · Scale 2, in force from 26 Feb 2026)