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$26,491
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,315
−HK$837/mo
Today · 4.125%
HK$28,152
baseline
▲ 0.50% · 4.625%
HK$29,865
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,304/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,471
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,261
−HK$802/mo
Today · 4.125%
HK$31,063
baseline
▲ 0.50% · 4.625%
HK$32,701
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,126/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,789
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,778
−HK$1,005/mo
Today · 4.125%
HK$33,783
baseline
▲ 0.50% · 4.625%
HK$35,838
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,566/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,365
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,314
−HK$962/mo
Today · 4.125%
HK$37,276
baseline
▲ 0.50% · 4.625%
HK$39,241
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,552/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,087
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,241
−HK$1,172/mo
Today · 4.125%
HK$39,413
baseline
▲ 0.50% · 4.625%
HK$41,811
+HK$2,398/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,826/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,259
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,366
−HK$1,122/mo
Today · 4.125%
HK$43,488
baseline
▲ 0.50% · 4.625%
HK$45,781
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,976/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,684
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,167
−HK$1,507/mo
Today · 4.125%
HK$50,674
baseline
▲ 0.50% · 4.625%
HK$53,757
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,348/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,048
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,470
−HK$1,444/mo
Today · 4.125%
HK$55,914
baseline
▲ 0.50% · 4.625%
HK$58,861
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,828/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,658 · Scale 2, in force from 26 Feb 2026)