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$26,526
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,352
−HK$838/mo
Today · 4.125%
HK$28,190
baseline
▲ 0.50% · 4.625%
HK$29,905
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,380/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,510
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,302
−HK$803/mo
Today · 4.125%
HK$31,105
baseline
▲ 0.50% · 4.625%
HK$32,744
+HK$1,639/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,210/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,832
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,822
−HK$1,006/mo
Today · 4.125%
HK$33,828
baseline
▲ 0.50% · 4.625%
HK$35,886
+HK$2,058/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,656/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,412
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,362
−HK$964/mo
Today · 4.125%
HK$37,326
baseline
▲ 0.50% · 4.625%
HK$39,293
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,652/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,137
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,292
−HK$1,174/mo
Today · 4.125%
HK$39,466
baseline
▲ 0.50% · 4.625%
HK$41,867
+HK$2,401/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,932/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,315
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,423
−HK$1,124/mo
Today · 4.125%
HK$43,547
baseline
▲ 0.50% · 4.625%
HK$45,842
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,094/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,748
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,233
−HK$1,509/mo
Today · 4.125%
HK$50,742
baseline
▲ 0.50% · 4.625%
HK$53,829
+HK$3,087/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,484/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,119
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,543
−HK$1,446/mo
Today · 4.125%
HK$55,989
baseline
▲ 0.50% · 4.625%
HK$58,940
+HK$2,951/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,978/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,242 · Scale 2, in force from 26 Feb 2026)