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$26,455
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,278
−HK$836/mo
Today · 4.125%
HK$28,114
baseline
▲ 0.50% · 4.625%
HK$29,825
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,228/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,431
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,220
−HK$801/mo
Today · 4.125%
HK$31,021
baseline
▲ 0.50% · 4.625%
HK$32,656
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,042/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,746
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,733
−HK$1,004/mo
Today · 4.125%
HK$33,737
baseline
▲ 0.50% · 4.625%
HK$35,790
+HK$2,053/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,474/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,317
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$36,264
−HK$961/mo
Today · 4.125%
HK$37,225
baseline
▲ 0.50% · 4.625%
HK$39,187
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,450/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,037
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,189
−HK$1,171/mo
Today · 4.125%
HK$39,360
baseline
▲ 0.50% · 4.625%
HK$41,754
+HK$2,394/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,720/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,203
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,308
−HK$1,121/mo
Today · 4.125%
HK$43,429
baseline
▲ 0.50% · 4.625%
HK$45,719
+HK$2,290/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,858/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,619
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,100
−HK$1,505/mo
Today · 4.125%
HK$50,605
baseline
▲ 0.50% · 4.625%
HK$53,684
+HK$3,079/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,210/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,976
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,396
−HK$1,442/mo
Today · 4.125%
HK$55,838
baseline
▲ 0.50% · 4.625%
HK$58,781
+HK$2,943/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,676/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,067 · Scale 2, in force from 26 Feb 2026)