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$26,424
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,246
−HK$835/mo
Today · 4.125%
HK$28,081
baseline
▲ 0.50% · 4.625%
HK$29,790
+HK$1,709/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,162/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,397
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,185
−HK$800/mo
Today · 4.125%
HK$30,985
baseline
▲ 0.50% · 4.625%
HK$32,618
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,970/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,709
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,695
−HK$1,002/mo
Today · 4.125%
HK$33,697
baseline
▲ 0.50% · 4.625%
HK$35,748
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$67,394/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,276
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,222
−HK$960/mo
Today · 4.125%
HK$37,182
baseline
▲ 0.50% · 4.625%
HK$39,142
+HK$1,960/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$74,364/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,994
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,144
−HK$1,170/mo
Today · 4.125%
HK$39,314
baseline
▲ 0.50% · 4.625%
HK$41,706
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,628/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,155
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,259
−HK$1,120/mo
Today · 4.125%
HK$43,379
baseline
▲ 0.50% · 4.625%
HK$45,665
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,758/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,563
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,043
−HK$1,503/mo
Today · 4.125%
HK$50,546
baseline
▲ 0.50% · 4.625%
HK$53,622
+HK$3,076/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,092/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,914
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,333
−HK$1,440/mo
Today · 4.125%
HK$55,773
baseline
▲ 0.50% · 4.625%
HK$58,712
+HK$2,939/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,546/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,558 · Scale 2, in force from 26 Feb 2026)