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$26,469
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$837/mo
Today · 4.125%
HK$28,129
baseline
▲ 0.50% · 4.625%
HK$29,840
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,258/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,446
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,236
−HK$801/mo
Today · 4.125%
HK$31,037
baseline
▲ 0.50% · 4.625%
HK$32,673
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,074/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,763
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,751
−HK$1,003/mo
Today · 4.125%
HK$33,754
baseline
▲ 0.50% · 4.625%
HK$35,808
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,508/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,336
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,283
−HK$962/mo
Today · 4.125%
HK$37,245
baseline
▲ 0.50% · 4.625%
HK$39,208
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,490/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,056
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,209
−HK$1,171/mo
Today · 4.125%
HK$39,380
baseline
▲ 0.50% · 4.625%
HK$41,776
+HK$2,396/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,760/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,225
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,331
−HK$1,121/mo
Today · 4.125%
HK$43,452
baseline
▲ 0.50% · 4.625%
HK$45,743
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,904/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,644
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,126
−HK$1,506/mo
Today · 4.125%
HK$50,632
baseline
▲ 0.50% · 4.625%
HK$53,712
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,264/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,003
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,425
−HK$1,442/mo
Today · 4.125%
HK$55,867
baseline
▲ 0.50% · 4.625%
HK$58,812
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,734/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,295 · Scale 2, in force from 26 Feb 2026)