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$26,537
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,363
−HK$838/mo
Today · 4.125%
HK$28,201
baseline
▲ 0.50% · 4.625%
HK$29,917
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,402/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,523
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,314
−HK$804/mo
Today · 4.125%
HK$31,118
baseline
▲ 0.50% · 4.625%
HK$32,758
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,236/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,845
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,835
−HK$1,007/mo
Today · 4.125%
HK$33,842
baseline
▲ 0.50% · 4.625%
HK$35,901
+HK$2,059/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,684/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,427
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,377
−HK$964/mo
Today · 4.125%
HK$37,341
baseline
▲ 0.50% · 4.625%
HK$39,309
+HK$1,968/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,682/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,152
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,308
−HK$1,174/mo
Today · 4.125%
HK$39,482
baseline
▲ 0.50% · 4.625%
HK$41,884
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,964/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,332
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,440
−HK$1,125/mo
Today · 4.125%
HK$43,565
baseline
▲ 0.50% · 4.625%
HK$45,861
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,130/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,767
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,253
−HK$1,510/mo
Today · 4.125%
HK$50,763
baseline
▲ 0.50% · 4.625%
HK$53,851
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,526/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,141
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,566
−HK$1,446/mo
Today · 4.125%
HK$56,012
baseline
▲ 0.50% · 4.625%
HK$58,964
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,024/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,421 · Scale 2, in force from 26 Feb 2026)