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$26,541
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,366
−HK$839/mo
Today · 4.125%
HK$28,205
baseline
▲ 0.50% · 4.625%
HK$29,921
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,410/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,526
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,318
−HK$804/mo
Today · 4.125%
HK$31,122
baseline
▲ 0.50% · 4.625%
HK$32,762
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,244/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,849
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,840
−HK$1,006/mo
Today · 4.125%
HK$33,846
baseline
▲ 0.50% · 4.625%
HK$35,906
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,692/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,432
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,382
−HK$964/mo
Today · 4.125%
HK$37,346
baseline
▲ 0.50% · 4.625%
HK$39,314
+HK$1,968/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,692/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,157
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,313
−HK$1,174/mo
Today · 4.125%
HK$39,487
baseline
▲ 0.50% · 4.625%
HK$41,890
+HK$2,403/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,974/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,337
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,445
−HK$1,125/mo
Today · 4.125%
HK$43,570
baseline
▲ 0.50% · 4.625%
HK$45,867
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,140/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,773
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,259
−HK$1,510/mo
Today · 4.125%
HK$50,769
baseline
▲ 0.50% · 4.625%
HK$53,858
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,538/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,147
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,573
−HK$1,446/mo
Today · 4.125%
HK$56,019
baseline
▲ 0.50% · 4.625%
HK$58,972
+HK$2,953/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,038/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,477 · Scale 2, in force from 26 Feb 2026)