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$26,522
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,347
−HK$839/mo
Today · 4.125%
HK$28,186
baseline
▲ 0.50% · 4.625%
HK$29,901
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,372/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,506
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,297
−HK$803/mo
Today · 4.125%
HK$31,100
baseline
▲ 0.50% · 4.625%
HK$32,739
+HK$1,639/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,200/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,827
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,817
−HK$1,006/mo
Today · 4.125%
HK$33,823
baseline
▲ 0.50% · 4.625%
HK$35,881
+HK$2,058/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,646/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,407
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,357
−HK$963/mo
Today · 4.125%
HK$37,320
baseline
▲ 0.50% · 4.625%
HK$39,287
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,640/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,131
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,286
−HK$1,174/mo
Today · 4.125%
HK$39,460
baseline
▲ 0.50% · 4.625%
HK$41,861
+HK$2,401/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,920/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,308
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,416
−HK$1,124/mo
Today · 4.125%
HK$43,540
baseline
▲ 0.50% · 4.625%
HK$45,835
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,080/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,740
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,225
−HK$1,509/mo
Today · 4.125%
HK$50,734
baseline
▲ 0.50% · 4.625%
HK$53,821
+HK$3,087/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,468/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,111
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,535
−HK$1,445/mo
Today · 4.125%
HK$55,980
baseline
▲ 0.50% · 4.625%
HK$58,931
+HK$2,951/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,960/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,176 · Scale 2, in force from 26 Feb 2026)