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$26,404
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,225
−HK$834/mo
Today · 4.125%
HK$28,059
baseline
▲ 0.50% · 4.625%
HK$29,767
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,118/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,374
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,162
−HK$799/mo
Today · 4.125%
HK$30,961
baseline
▲ 0.50% · 4.625%
HK$32,593
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,922/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,684
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,670
−HK$1,001/mo
Today · 4.125%
HK$33,671
baseline
▲ 0.50% · 4.625%
HK$35,720
+HK$2,049/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,342/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,249
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,194
−HK$959/mo
Today · 4.125%
HK$37,153
baseline
▲ 0.50% · 4.625%
HK$39,111
+HK$1,958/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,306/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,965
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,115
−HK$1,168/mo
Today · 4.125%
HK$39,283
baseline
▲ 0.50% · 4.625%
HK$41,674
+HK$2,391/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,566/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,123
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,226
−HK$1,119/mo
Today · 4.125%
HK$43,345
baseline
▲ 0.50% · 4.625%
HK$45,630
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,690/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,527
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,005
−HK$1,502/mo
Today · 4.125%
HK$50,507
baseline
▲ 0.50% · 4.625%
HK$53,580
+HK$3,073/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,014/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,873
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,291
−HK$1,438/mo
Today · 4.125%
HK$55,729
baseline
▲ 0.50% · 4.625%
HK$58,667
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,458/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,223 · Scale 2, in force from 26 Feb 2026)