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$26,443
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,266
−HK$835/mo
Today · 4.125%
HK$28,101
baseline
▲ 0.50% · 4.625%
HK$29,811
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,202/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,418
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,207
−HK$800/mo
Today · 4.125%
HK$31,007
baseline
▲ 0.50% · 4.625%
HK$32,641
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,014/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,732
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,719
−HK$1,003/mo
Today · 4.125%
HK$33,722
baseline
▲ 0.50% · 4.625%
HK$35,773
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,444/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,301
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,248
−HK$960/mo
Today · 4.125%
HK$37,208
baseline
▲ 0.50% · 4.625%
HK$39,170
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,416/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,020
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,172
−HK$1,170/mo
Today · 4.125%
HK$39,342
baseline
▲ 0.50% · 4.625%
HK$41,736
+HK$2,394/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,684/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,185
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,289
−HK$1,121/mo
Today · 4.125%
HK$43,410
baseline
▲ 0.50% · 4.625%
HK$45,698
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,820/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,598
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,078
−HK$1,504/mo
Today · 4.125%
HK$50,582
baseline
▲ 0.50% · 4.625%
HK$53,660
+HK$3,078/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,164/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,952
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,372
−HK$1,441/mo
Today · 4.125%
HK$55,813
baseline
▲ 0.50% · 4.625%
HK$58,755
+HK$2,942/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,626/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,871 · Scale 2, in force from 26 Feb 2026)