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$26,543
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,368
−HK$839/mo
Today · 4.125%
HK$28,207
baseline
▲ 0.50% · 4.625%
HK$29,923
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,414/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,528
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,320
−HK$804/mo
Today · 4.125%
HK$31,124
baseline
▲ 0.50% · 4.625%
HK$32,764
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,248/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,851
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,842
−HK$1,006/mo
Today · 4.125%
HK$33,848
baseline
▲ 0.50% · 4.625%
HK$35,908
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,696/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,434
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,384
−HK$964/mo
Today · 4.125%
HK$37,348
baseline
▲ 0.50% · 4.625%
HK$39,317
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,696/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,160
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,315
−HK$1,175/mo
Today · 4.125%
HK$39,490
baseline
▲ 0.50% · 4.625%
HK$41,893
+HK$2,403/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,980/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,340
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,448
−HK$1,125/mo
Today · 4.125%
HK$43,573
baseline
▲ 0.50% · 4.625%
HK$45,870
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,146/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,777
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,263
−HK$1,510/mo
Today · 4.125%
HK$50,773
baseline
▲ 0.50% · 4.625%
HK$53,862
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,546/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,151
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,577
−HK$1,446/mo
Today · 4.125%
HK$56,023
baseline
▲ 0.50% · 4.625%
HK$58,976
+HK$2,953/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,046/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,507 · Scale 2, in force from 26 Feb 2026)