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$26,489
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,313
−HK$837/mo
Today · 4.125%
HK$28,150
baseline
▲ 0.50% · 4.625%
HK$29,863
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,300/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,469
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,259
−HK$802/mo
Today · 4.125%
HK$31,061
baseline
▲ 0.50% · 4.625%
HK$32,698
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,122/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,787
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,776
−HK$1,004/mo
Today · 4.125%
HK$33,780
baseline
▲ 0.50% · 4.625%
HK$35,836
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,560/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,363
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,311
−HK$962/mo
Today · 4.125%
HK$37,273
baseline
▲ 0.50% · 4.625%
HK$39,238
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,546/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,085
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,238
−HK$1,172/mo
Today · 4.125%
HK$39,410
baseline
▲ 0.50% · 4.625%
HK$41,808
+HK$2,398/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,820/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,257
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,363
−HK$1,122/mo
Today · 4.125%
HK$43,485
baseline
▲ 0.50% · 4.625%
HK$45,778
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,970/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,681
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,164
−HK$1,507/mo
Today · 4.125%
HK$50,671
baseline
▲ 0.50% · 4.625%
HK$53,754
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,342/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,044
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,467
−HK$1,443/mo
Today · 4.125%
HK$55,910
baseline
▲ 0.50% · 4.625%
HK$58,857
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,820/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,629 · Scale 2, in force from 26 Feb 2026)