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$26,468
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,291
−HK$837/mo
Today · 4.125%
HK$28,128
baseline
▲ 0.50% · 4.625%
HK$29,839
+HK$1,711/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,256/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,445
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,235
−HK$801/mo
Today · 4.125%
HK$31,036
baseline
▲ 0.50% · 4.625%
HK$32,672
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,072/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,762
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,750
−HK$1,003/mo
Today · 4.125%
HK$33,753
baseline
▲ 0.50% · 4.625%
HK$35,807
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,506/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,335
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,282
−HK$962/mo
Today · 4.125%
HK$37,244
baseline
▲ 0.50% · 4.625%
HK$39,207
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,488/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,055
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,208
−HK$1,171/mo
Today · 4.125%
HK$39,379
baseline
▲ 0.50% · 4.625%
HK$41,775
+HK$2,396/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,758/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,224
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,329
−HK$1,122/mo
Today · 4.125%
HK$43,451
baseline
▲ 0.50% · 4.625%
HK$45,741
+HK$2,290/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,902/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,642
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,124
−HK$1,506/mo
Today · 4.125%
HK$50,630
baseline
▲ 0.50% · 4.625%
HK$53,711
+HK$3,081/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,260/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,002
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,423
−HK$1,442/mo
Today · 4.125%
HK$55,865
baseline
▲ 0.50% · 4.625%
HK$58,810
+HK$2,945/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,730/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,281 · Scale 2, in force from 26 Feb 2026)