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$26,507
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,331
−HK$838/mo
Today · 4.125%
HK$28,169
baseline
▲ 0.50% · 4.625%
HK$29,883
+HK$1,714/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,338/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,488
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,279
−HK$802/mo
Today · 4.125%
HK$31,081
baseline
▲ 0.50% · 4.625%
HK$32,720
+HK$1,639/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,162/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,808
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,797
−HK$1,006/mo
Today · 4.125%
HK$33,803
baseline
▲ 0.50% · 4.625%
HK$35,859
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,606/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,386
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,335
−HK$963/mo
Today · 4.125%
HK$37,298
baseline
▲ 0.50% · 4.625%
HK$39,264
+HK$1,966/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,596/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,109
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,264
−HK$1,172/mo
Today · 4.125%
HK$39,436
baseline
▲ 0.50% · 4.625%
HK$41,836
+HK$2,400/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,872/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,284
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,391
−HK$1,123/mo
Today · 4.125%
HK$43,514
baseline
▲ 0.50% · 4.625%
HK$45,808
+HK$2,294/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,028/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,712
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,196
−HK$1,508/mo
Today · 4.125%
HK$50,704
baseline
▲ 0.50% · 4.625%
HK$53,789
+HK$3,085/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,408/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,079
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,503
−HK$1,444/mo
Today · 4.125%
HK$55,947
baseline
▲ 0.50% · 4.625%
HK$58,896
+HK$2,949/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,894/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,915 · Scale 2, in force from 26 Feb 2026)