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$26,528
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,353
−HK$838/mo
Today · 4.125%
HK$28,191
baseline
▲ 0.50% · 4.625%
HK$29,907
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,382/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,512
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,303
−HK$803/mo
Today · 4.125%
HK$31,106
baseline
▲ 0.50% · 4.625%
HK$32,746
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,212/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,833
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,823
−HK$1,006/mo
Today · 4.125%
HK$33,829
baseline
▲ 0.50% · 4.625%
HK$35,888
+HK$2,059/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,658/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,414
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,364
−HK$964/mo
Today · 4.125%
HK$37,328
baseline
▲ 0.50% · 4.625%
HK$39,295
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,656/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,139
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,294
−HK$1,174/mo
Today · 4.125%
HK$39,468
baseline
▲ 0.50% · 4.625%
HK$41,869
+HK$2,401/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,936/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,317
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,425
−HK$1,124/mo
Today · 4.125%
HK$43,549
baseline
▲ 0.50% · 4.625%
HK$45,844
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,098/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,750
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,235
−HK$1,509/mo
Today · 4.125%
HK$50,744
baseline
▲ 0.50% · 4.625%
HK$53,832
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,488/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,121
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,546
−HK$1,445/mo
Today · 4.125%
HK$55,991
baseline
▲ 0.50% · 4.625%
HK$58,943
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,982/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,263 · Scale 2, in force from 26 Feb 2026)