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$26,464
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,287
−HK$836/mo
Today · 4.125%
HK$28,123
baseline
▲ 0.50% · 4.625%
HK$29,835
+HK$1,712/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,246/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,441
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,230
−HK$801/mo
Today · 4.125%
HK$31,031
baseline
▲ 0.50% · 4.625%
HK$32,667
+HK$1,636/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,062/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,757
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$32,745
−HK$1,003/mo
Today · 4.125%
HK$33,748
baseline
▲ 0.50% · 4.625%
HK$35,802
+HK$2,054/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,496/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,329
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,277
−HK$961/mo
Today · 4.125%
HK$37,238
baseline
▲ 0.50% · 4.625%
HK$39,201
+HK$1,963/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,476/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,049
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,202
−HK$1,171/mo
Today · 4.125%
HK$39,373
baseline
▲ 0.50% · 4.625%
HK$41,769
+HK$2,396/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,746/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,217
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,323
−HK$1,121/mo
Today · 4.125%
HK$43,444
baseline
▲ 0.50% · 4.625%
HK$45,734
+HK$2,290/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,888/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,635
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,117
−HK$1,505/mo
Today · 4.125%
HK$50,622
baseline
▲ 0.50% · 4.625%
HK$53,702
+HK$3,080/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,244/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,994
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,415
−HK$1,442/mo
Today · 4.125%
HK$55,857
baseline
▲ 0.50% · 4.625%
HK$58,801
+HK$2,944/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,714/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,213 · Scale 2, in force from 26 Feb 2026)