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$26,538
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,363
−HK$839/mo
Today · 4.125%
HK$28,202
baseline
▲ 0.50% · 4.625%
HK$29,918
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,404/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,523
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,315
−HK$803/mo
Today · 4.125%
HK$31,118
baseline
▲ 0.50% · 4.625%
HK$32,758
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,236/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,845
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,836
−HK$1,006/mo
Today · 4.125%
HK$33,842
baseline
▲ 0.50% · 4.625%
HK$35,902
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,684/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,428
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,378
−HK$964/mo
Today · 4.125%
HK$37,342
baseline
▲ 0.50% · 4.625%
HK$39,310
+HK$1,968/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,684/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,153
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,309
−HK$1,174/mo
Today · 4.125%
HK$39,483
baseline
▲ 0.50% · 4.625%
HK$41,885
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,966/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,332
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,441
−HK$1,124/mo
Today · 4.125%
HK$43,565
baseline
▲ 0.50% · 4.625%
HK$45,862
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,130/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,768
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,254
−HK$1,509/mo
Today · 4.125%
HK$50,763
baseline
▲ 0.50% · 4.625%
HK$53,852
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,526/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,141
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,567
−HK$1,445/mo
Today · 4.125%
HK$56,012
baseline
▲ 0.50% · 4.625%
HK$58,965
+HK$2,953/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,024/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,428 · Scale 2, in force from 26 Feb 2026)