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$26,435
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,257
−HK$835/mo
Today · 4.125%
HK$28,092
baseline
▲ 0.50% · 4.625%
HK$29,802
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,184/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,408
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,197
−HK$800/mo
Today · 4.125%
HK$30,997
baseline
▲ 0.50% · 4.625%
HK$32,631
+HK$1,634/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$61,994/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,722
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,708
−HK$1,003/mo
Today · 4.125%
HK$33,711
baseline
▲ 0.50% · 4.625%
HK$35,762
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,422/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,290
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,237
−HK$960/mo
Today · 4.125%
HK$37,197
baseline
▲ 0.50% · 4.625%
HK$39,157
+HK$1,960/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,394/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,009
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,160
−HK$1,169/mo
Today · 4.125%
HK$39,329
baseline
▲ 0.50% · 4.625%
HK$41,723
+HK$2,394/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,658/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,172
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,276
−HK$1,120/mo
Today · 4.125%
HK$43,396
baseline
▲ 0.50% · 4.625%
HK$45,684
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,792/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,583
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,063
−HK$1,503/mo
Today · 4.125%
HK$50,566
baseline
▲ 0.50% · 4.625%
HK$53,643
+HK$3,077/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,132/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,935
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,355
−HK$1,440/mo
Today · 4.125%
HK$55,795
baseline
▲ 0.50% · 4.625%
HK$58,736
+HK$2,941/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,590/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,734 · Scale 2, in force from 26 Feb 2026)