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$26,395
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,216
−HK$835/mo
Today · 4.125%
HK$28,051
baseline
▲ 0.50% · 4.625%
HK$29,757
+HK$1,706/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,102/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,364
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,152
−HK$799/mo
Today · 4.125%
HK$30,951
baseline
▲ 0.50% · 4.625%
HK$32,582
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,902/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,674
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,660
−HK$1,001/mo
Today · 4.125%
HK$33,661
baseline
▲ 0.50% · 4.625%
HK$35,709
+HK$2,048/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,322/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,237
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,182
−HK$959/mo
Today · 4.125%
HK$37,141
baseline
▲ 0.50% · 4.625%
HK$39,099
+HK$1,958/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,282/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,953
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,103
−HK$1,168/mo
Today · 4.125%
HK$39,271
baseline
▲ 0.50% · 4.625%
HK$41,660
+HK$2,389/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,542/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,110
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,213
−HK$1,118/mo
Today · 4.125%
HK$43,331
baseline
▲ 0.50% · 4.625%
HK$45,615
+HK$2,284/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,662/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,512
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,989
−HK$1,502/mo
Today · 4.125%
HK$50,491
baseline
▲ 0.50% · 4.625%
HK$53,563
+HK$3,072/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$100,982/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,856
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,274
−HK$1,438/mo
Today · 4.125%
HK$55,712
baseline
▲ 0.50% · 4.625%
HK$58,648
+HK$2,936/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,424/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,085 · Scale 2, in force from 26 Feb 2026)