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$26,414
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,235
−HK$835/mo
Today · 4.125%
HK$28,070
baseline
▲ 0.50% · 4.625%
HK$29,778
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,140/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,385
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,173
−HK$799/mo
Today · 4.125%
HK$30,972
baseline
▲ 0.50% · 4.625%
HK$32,605
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,944/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,696
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,682
−HK$1,002/mo
Today · 4.125%
HK$33,684
baseline
▲ 0.50% · 4.625%
HK$35,734
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,368/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,262
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,208
−HK$959/mo
Today · 4.125%
HK$37,167
baseline
▲ 0.50% · 4.625%
HK$39,126
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,334/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,979
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,129
−HK$1,169/mo
Today · 4.125%
HK$39,298
baseline
▲ 0.50% · 4.625%
HK$41,689
+HK$2,391/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,596/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,139
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,242
−HK$1,119/mo
Today · 4.125%
HK$43,361
baseline
▲ 0.50% · 4.625%
HK$45,647
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,722/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,545
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,023
−HK$1,503/mo
Today · 4.125%
HK$50,526
baseline
▲ 0.50% · 4.625%
HK$53,600
+HK$3,074/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,052/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,893
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,311
−HK$1,439/mo
Today · 4.125%
HK$55,750
baseline
▲ 0.50% · 4.625%
HK$58,689
+HK$2,939/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,500/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,386 · Scale 2, in force from 26 Feb 2026)