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$26,392
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,213
−HK$834/mo
Today · 4.125%
HK$28,047
baseline
▲ 0.50% · 4.625%
HK$29,754
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,094/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,361
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,149
−HK$799/mo
Today · 4.125%
HK$30,948
baseline
▲ 0.50% · 4.625%
HK$32,579
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,896/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,671
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,656
−HK$1,001/mo
Today · 4.125%
HK$33,657
baseline
▲ 0.50% · 4.625%
HK$35,705
+HK$2,048/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,314/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,233
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,178
−HK$959/mo
Today · 4.125%
HK$37,137
baseline
▲ 0.50% · 4.625%
HK$39,095
+HK$1,958/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,274/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,949
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,099
−HK$1,167/mo
Today · 4.125%
HK$39,266
baseline
▲ 0.50% · 4.625%
HK$41,656
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,532/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,106
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,208
−HK$1,119/mo
Today · 4.125%
HK$43,327
baseline
▲ 0.50% · 4.625%
HK$45,610
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,654/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,506
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,984
−HK$1,501/mo
Today · 4.125%
HK$50,485
baseline
▲ 0.50% · 4.625%
HK$53,557
+HK$3,072/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$100,970/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,850
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,268
−HK$1,438/mo
Today · 4.125%
HK$55,706
baseline
▲ 0.50% · 4.625%
HK$58,642
+HK$2,936/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,412/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,036 · Scale 2, in force from 26 Feb 2026)