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$26,451
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,274
−HK$836/mo
Today · 4.125%
HK$28,110
baseline
▲ 0.50% · 4.625%
HK$29,820
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,220/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,426
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,216
−HK$800/mo
Today · 4.125%
HK$31,016
baseline
▲ 0.50% · 4.625%
HK$32,651
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,032/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,741
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,729
−HK$1,003/mo
Today · 4.125%
HK$33,732
baseline
▲ 0.50% · 4.625%
HK$35,784
+HK$2,052/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,464/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,312
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,259
−HK$961/mo
Today · 4.125%
HK$37,220
baseline
▲ 0.50% · 4.625%
HK$39,181
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,440/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,031
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,183
−HK$1,171/mo
Today · 4.125%
HK$39,354
baseline
▲ 0.50% · 4.625%
HK$41,748
+HK$2,394/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,708/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,197
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,302
−HK$1,121/mo
Today · 4.125%
HK$43,423
baseline
▲ 0.50% · 4.625%
HK$45,712
+HK$2,289/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,846/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,612
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,093
−HK$1,504/mo
Today · 4.125%
HK$50,597
baseline
▲ 0.50% · 4.625%
HK$53,676
+HK$3,079/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,194/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,968
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,388
−HK$1,441/mo
Today · 4.125%
HK$55,829
baseline
▲ 0.50% · 4.625%
HK$58,772
+HK$2,943/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,658/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,001 · Scale 2, in force from 26 Feb 2026)