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$26,513
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,338
−HK$838/mo
Today · 4.125%
HK$28,176
baseline
▲ 0.50% · 4.625%
HK$29,890
+HK$1,714/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,352/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,496
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,287
−HK$802/mo
Today · 4.125%
HK$31,089
baseline
▲ 0.50% · 4.625%
HK$32,728
+HK$1,639/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,178/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,816
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,805
−HK$1,006/mo
Today · 4.125%
HK$33,811
baseline
▲ 0.50% · 4.625%
HK$35,868
+HK$2,057/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,622/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,395
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,344
−HK$963/mo
Today · 4.125%
HK$37,307
baseline
▲ 0.50% · 4.625%
HK$39,274
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,614/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,118
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,273
−HK$1,173/mo
Today · 4.125%
HK$39,446
baseline
▲ 0.50% · 4.625%
HK$41,846
+HK$2,400/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,892/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,294
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,401
−HK$1,124/mo
Today · 4.125%
HK$43,525
baseline
▲ 0.50% · 4.625%
HK$45,819
+HK$2,294/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,050/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,724
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,208
−HK$1,508/mo
Today · 4.125%
HK$50,716
baseline
▲ 0.50% · 4.625%
HK$53,802
+HK$3,086/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,432/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,092
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,516
−HK$1,444/mo
Today · 4.125%
HK$55,960
baseline
▲ 0.50% · 4.625%
HK$58,910
+HK$2,950/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,920/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,023 · Scale 2, in force from 26 Feb 2026)