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$26,419
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,241
−HK$835/mo
Today · 4.125%
HK$28,076
baseline
▲ 0.50% · 4.625%
HK$29,784
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,152/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,391
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,179
−HK$800/mo
Today · 4.125%
HK$30,979
baseline
▲ 0.50% · 4.625%
HK$32,612
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,958/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,703
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,689
−HK$1,002/mo
Today · 4.125%
HK$33,691
baseline
▲ 0.50% · 4.625%
HK$35,741
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,382/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,269
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,215
−HK$960/mo
Today · 4.125%
HK$37,175
baseline
▲ 0.50% · 4.625%
HK$39,134
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,350/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,987
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,137
−HK$1,169/mo
Today · 4.125%
HK$39,306
baseline
▲ 0.50% · 4.625%
HK$41,698
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,612/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,147
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,251
−HK$1,120/mo
Today · 4.125%
HK$43,371
baseline
▲ 0.50% · 4.625%
HK$45,657
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,742/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,554
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,034
−HK$1,503/mo
Today · 4.125%
HK$50,537
baseline
▲ 0.50% · 4.625%
HK$53,612
+HK$3,075/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,074/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,904
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,323
−HK$1,439/mo
Today · 4.125%
HK$55,762
baseline
▲ 0.50% · 4.625%
HK$58,701
+HK$2,939/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,524/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,477 · Scale 2, in force from 26 Feb 2026)