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$26,402
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,224
−HK$834/mo
Today · 4.125%
HK$28,058
baseline
▲ 0.50% · 4.625%
HK$29,765
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,116/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,372
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,160
−HK$799/mo
Today · 4.125%
HK$30,959
baseline
▲ 0.50% · 4.625%
HK$32,591
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,918/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,683
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,668
−HK$1,002/mo
Today · 4.125%
HK$33,670
baseline
▲ 0.50% · 4.625%
HK$35,718
+HK$2,048/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,340/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,247
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,192
−HK$959/mo
Today · 4.125%
HK$37,151
baseline
▲ 0.50% · 4.625%
HK$39,109
+HK$1,958/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,302/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,963
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,113
−HK$1,168/mo
Today · 4.125%
HK$39,281
baseline
▲ 0.50% · 4.625%
HK$41,671
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,562/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,121
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,224
−HK$1,119/mo
Today · 4.125%
HK$43,343
baseline
▲ 0.50% · 4.625%
HK$45,628
+HK$2,285/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,686/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,524
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,002
−HK$1,502/mo
Today · 4.125%
HK$50,504
baseline
▲ 0.50% · 4.625%
HK$53,577
+HK$3,073/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,008/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,870
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,288
−HK$1,439/mo
Today · 4.125%
HK$55,727
baseline
▲ 0.50% · 4.625%
HK$58,664
+HK$2,937/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,454/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,200 · Scale 2, in force from 26 Feb 2026)