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$26,447
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,269
−HK$836/mo
Today · 4.125%
HK$28,105
baseline
▲ 0.50% · 4.625%
HK$29,815
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,210/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,422
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,211
−HK$800/mo
Today · 4.125%
HK$31,011
baseline
▲ 0.50% · 4.625%
HK$32,646
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,022/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,736
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,723
−HK$1,003/mo
Today · 4.125%
HK$33,726
baseline
▲ 0.50% · 4.625%
HK$35,778
+HK$2,052/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,452/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,306
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,253
−HK$960/mo
Today · 4.125%
HK$37,213
baseline
▲ 0.50% · 4.625%
HK$39,175
+HK$1,962/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,426/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,025
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,177
−HK$1,170/mo
Today · 4.125%
HK$39,347
baseline
▲ 0.50% · 4.625%
HK$41,741
+HK$2,394/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,694/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,190
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,295
−HK$1,121/mo
Today · 4.125%
HK$43,416
baseline
▲ 0.50% · 4.625%
HK$45,704
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,832/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,604
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,085
−HK$1,504/mo
Today · 4.125%
HK$50,589
baseline
▲ 0.50% · 4.625%
HK$53,667
+HK$3,078/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,178/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,959
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,379
−HK$1,441/mo
Today · 4.125%
HK$55,820
baseline
▲ 0.50% · 4.625%
HK$58,763
+HK$2,943/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,640/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,930 · Scale 2, in force from 26 Feb 2026)