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$26,470
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,294
−HK$836/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,842
+HK$1,712/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,448
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,238
−HK$801/mo
Today · 4.125%
HK$31,039
baseline
▲ 0.50% · 4.625%
HK$32,675
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,078/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,764
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,752
−HK$1,004/mo
Today · 4.125%
HK$33,756
baseline
▲ 0.50% · 4.625%
HK$35,810
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,512/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,337
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,285
−HK$962/mo
Today · 4.125%
HK$37,247
baseline
▲ 0.50% · 4.625%
HK$39,210
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,494/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,058
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,211
−HK$1,171/mo
Today · 4.125%
HK$39,382
baseline
▲ 0.50% · 4.625%
HK$41,779
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,764/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,227
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,333
−HK$1,121/mo
Today · 4.125%
HK$43,454
baseline
▲ 0.50% · 4.625%
HK$45,745
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,908/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,646
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,129
−HK$1,505/mo
Today · 4.125%
HK$50,634
baseline
▲ 0.50% · 4.625%
HK$53,715
+HK$3,081/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,268/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,006
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,428
−HK$1,442/mo
Today · 4.125%
HK$55,870
baseline
▲ 0.50% · 4.625%
HK$58,815
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,740/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,317 · Scale 2, in force from 26 Feb 2026)