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$26,530
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,355
−HK$838/mo
Today · 4.125%
HK$28,193
baseline
▲ 0.50% · 4.625%
HK$29,909
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,386/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,514
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,305
−HK$803/mo
Today · 4.125%
HK$31,108
baseline
▲ 0.50% · 4.625%
HK$32,748
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,216/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,835
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,826
−HK$1,006/mo
Today · 4.125%
HK$33,832
baseline
▲ 0.50% · 4.625%
HK$35,890
+HK$2,058/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,664/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,417
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,366
−HK$964/mo
Today · 4.125%
HK$37,330
baseline
▲ 0.50% · 4.625%
HK$39,298
+HK$1,968/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,660/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,141
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,297
−HK$1,173/mo
Today · 4.125%
HK$39,470
baseline
▲ 0.50% · 4.625%
HK$41,872
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,940/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,319
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,428
−HK$1,124/mo
Today · 4.125%
HK$43,552
baseline
▲ 0.50% · 4.625%
HK$45,847
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,104/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,753
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,239
−HK$1,509/mo
Today · 4.125%
HK$50,748
baseline
▲ 0.50% · 4.625%
HK$53,836
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,496/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,125
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,550
−HK$1,445/mo
Today · 4.125%
HK$55,995
baseline
▲ 0.50% · 4.625%
HK$58,947
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,990/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,293 · Scale 2, in force from 26 Feb 2026)