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$26,521
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,346
−HK$838/mo
Today · 4.125%
HK$28,184
baseline
▲ 0.50% · 4.625%
HK$29,899
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,368/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,504
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,295
−HK$803/mo
Today · 4.125%
HK$31,098
baseline
▲ 0.50% · 4.625%
HK$32,737
+HK$1,639/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,196/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,825
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,815
−HK$1,006/mo
Today · 4.125%
HK$33,821
baseline
▲ 0.50% · 4.625%
HK$35,878
+HK$2,057/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,642/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,405
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,354
−HK$964/mo
Today · 4.125%
HK$37,318
baseline
▲ 0.50% · 4.625%
HK$39,285
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,636/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,129
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,284
−HK$1,173/mo
Today · 4.125%
HK$39,457
baseline
▲ 0.50% · 4.625%
HK$41,858
+HK$2,401/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,914/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,306
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,413
−HK$1,124/mo
Today · 4.125%
HK$43,537
baseline
▲ 0.50% · 4.625%
HK$45,832
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,074/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,737
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,222
−HK$1,509/mo
Today · 4.125%
HK$50,731
baseline
▲ 0.50% · 4.625%
HK$53,818
+HK$3,087/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,462/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,107
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,532
−HK$1,445/mo
Today · 4.125%
HK$55,977
baseline
▲ 0.50% · 4.625%
HK$58,927
+HK$2,950/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,954/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,148 · Scale 2, in force from 26 Feb 2026)