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$26,533
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,358
−HK$839/mo
Today · 4.125%
HK$28,197
baseline
▲ 0.50% · 4.625%
HK$29,912
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,394/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,518
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,309
−HK$803/mo
Today · 4.125%
HK$31,112
baseline
▲ 0.50% · 4.625%
HK$32,752
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,224/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,839
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,830
−HK$1,006/mo
Today · 4.125%
HK$33,836
baseline
▲ 0.50% · 4.625%
HK$35,895
+HK$2,059/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,672/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,421
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,371
−HK$964/mo
Today · 4.125%
HK$37,335
baseline
▲ 0.50% · 4.625%
HK$39,303
+HK$1,968/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,670/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,146
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,301
−HK$1,174/mo
Today · 4.125%
HK$39,475
baseline
▲ 0.50% · 4.625%
HK$41,877
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,950/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,325
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,433
−HK$1,124/mo
Today · 4.125%
HK$43,557
baseline
▲ 0.50% · 4.625%
HK$45,853
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,114/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,759
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,245
−HK$1,509/mo
Today · 4.125%
HK$50,754
baseline
▲ 0.50% · 4.625%
HK$53,842
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,508/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,132
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,557
−HK$1,445/mo
Today · 4.125%
HK$56,002
baseline
▲ 0.50% · 4.625%
HK$58,954
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,004/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,347 · Scale 2, in force from 26 Feb 2026)