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$26,509
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,333
−HK$838/mo
Today · 4.125%
HK$28,171
baseline
▲ 0.50% · 4.625%
HK$29,885
+HK$1,714/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,342/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,491
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,282
−HK$802/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,723
+HK$1,639/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,168/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,811
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,800
−HK$1,005/mo
Today · 4.125%
HK$33,805
baseline
▲ 0.50% · 4.625%
HK$35,862
+HK$2,057/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,610/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,389
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,338
−HK$963/mo
Today · 4.125%
HK$37,301
baseline
▲ 0.50% · 4.625%
HK$39,267
+HK$1,966/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,602/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$435,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,112
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,267
−HK$1,173/mo
Today · 4.125%
HK$39,440
baseline
▲ 0.50% · 4.625%
HK$41,839
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,880/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,287
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,394
−HK$1,124/mo
Today · 4.125%
HK$43,518
baseline
▲ 0.50% · 4.625%
HK$45,812
+HK$2,294/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,036/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,716
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,200
−HK$1,508/mo
Today · 4.125%
HK$50,708
baseline
▲ 0.50% · 4.625%
HK$53,793
+HK$3,085/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,416/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,083
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,507
−HK$1,444/mo
Today · 4.125%
HK$55,951
baseline
▲ 0.50% · 4.625%
HK$58,901
+HK$2,950/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,902/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,951 · Scale 2, in force from 26 Feb 2026)