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$26,512
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,337
−HK$837/mo
Today · 4.125%
HK$28,174
baseline
▲ 0.50% · 4.625%
HK$29,889
+HK$1,715/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,348/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,494
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,285
−HK$803/mo
Today · 4.125%
HK$31,088
baseline
▲ 0.50% · 4.625%
HK$32,726
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,176/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,814
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,804
−HK$1,005/mo
Today · 4.125%
HK$33,809
baseline
▲ 0.50% · 4.625%
HK$35,867
+HK$2,058/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,618/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,393
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,342
−HK$963/mo
Today · 4.125%
HK$37,305
baseline
▲ 0.50% · 4.625%
HK$39,272
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,610/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,117
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,271
−HK$1,173/mo
Today · 4.125%
HK$39,444
baseline
▲ 0.50% · 4.625%
HK$41,844
+HK$2,400/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,888/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,292
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,399
−HK$1,124/mo
Today · 4.125%
HK$43,523
baseline
▲ 0.50% · 4.625%
HK$45,817
+HK$2,294/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,046/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,721
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,206
−HK$1,508/mo
Today · 4.125%
HK$50,714
baseline
▲ 0.50% · 4.625%
HK$53,800
+HK$3,086/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,428/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,090
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,513
−HK$1,445/mo
Today · 4.125%
HK$55,958
baseline
▲ 0.50% · 4.625%
HK$58,907
+HK$2,949/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,916/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,002 · Scale 2, in force from 26 Feb 2026)