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$27,362
−HK$839/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$436,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,522
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,314
−HK$803/mo
Today · 4.125%
HK$31,117
baseline
▲ 0.50% · 4.625%
HK$32,757
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,234/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,844
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,835
−HK$1,006/mo
Today · 4.125%
HK$33,841
baseline
▲ 0.50% · 4.625%
HK$35,900
+HK$2,059/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,682/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,426
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,377
−HK$963/mo
Today · 4.125%
HK$37,340
baseline
▲ 0.50% · 4.625%
HK$39,309
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,680/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,152
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,307
−HK$1,174/mo
Today · 4.125%
HK$39,481
baseline
▲ 0.50% · 4.625%
HK$41,884
+HK$2,403/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,962/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,331
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,439
−HK$1,125/mo
Today · 4.125%
HK$43,564
baseline
▲ 0.50% · 4.625%
HK$45,860
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,128/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,766
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,252
−HK$1,510/mo
Today · 4.125%
HK$50,762
baseline
▲ 0.50% · 4.625%
HK$53,851
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,524/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,140
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,565
−HK$1,446/mo
Today · 4.125%
HK$56,011
baseline
▲ 0.50% · 4.625%
HK$58,963
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,022/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,414 · Scale 2, in force from 26 Feb 2026)