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$26,405
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,226
−HK$834/mo
Today · 4.125%
HK$28,060
baseline
▲ 0.50% · 4.625%
HK$29,768
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,120/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,375
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,163
−HK$799/mo
Today · 4.125%
HK$30,962
baseline
▲ 0.50% · 4.625%
HK$32,594
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,924/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,685
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,671
−HK$1,001/mo
Today · 4.125%
HK$33,672
baseline
▲ 0.50% · 4.625%
HK$35,721
+HK$2,049/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,344/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,250
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,195
−HK$959/mo
Today · 4.125%
HK$37,154
baseline
▲ 0.50% · 4.625%
HK$39,113
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,308/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,966
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,116
−HK$1,169/mo
Today · 4.125%
HK$39,285
baseline
▲ 0.50% · 4.625%
HK$41,675
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,570/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,125
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,228
−HK$1,119/mo
Today · 4.125%
HK$43,347
baseline
▲ 0.50% · 4.625%
HK$45,631
+HK$2,284/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,694/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,528
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,007
−HK$1,502/mo
Today · 4.125%
HK$50,509
baseline
▲ 0.50% · 4.625%
HK$53,582
+HK$3,073/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,018/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,875
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,293
−HK$1,438/mo
Today · 4.125%
HK$55,731
baseline
▲ 0.50% · 4.625%
HK$58,669
+HK$2,938/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,462/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,237 · Scale 2, in force from 26 Feb 2026)