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$26,497
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,321
−HK$837/mo
Today · 4.125%
HK$28,158
baseline
▲ 0.50% · 4.625%
HK$29,872
+HK$1,714/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,316/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,477
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,268
−HK$802/mo
Today · 4.125%
HK$31,070
baseline
▲ 0.50% · 4.625%
HK$32,708
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,140/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,796
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,785
−HK$1,005/mo
Today · 4.125%
HK$33,790
baseline
▲ 0.50% · 4.625%
HK$35,846
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,580/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,373
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,322
−HK$962/mo
Today · 4.125%
HK$37,284
baseline
▲ 0.50% · 4.625%
HK$39,249
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,568/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,095
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,249
−HK$1,173/mo
Today · 4.125%
HK$39,422
baseline
▲ 0.50% · 4.625%
HK$41,820
+HK$2,398/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,844/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,268
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,375
−HK$1,123/mo
Today · 4.125%
HK$43,498
baseline
▲ 0.50% · 4.625%
HK$45,791
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,996/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,694
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,178
−HK$1,507/mo
Today · 4.125%
HK$50,685
baseline
▲ 0.50% · 4.625%
HK$53,769
+HK$3,084/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,370/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,059
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,482
−HK$1,444/mo
Today · 4.125%
HK$55,926
baseline
▲ 0.50% · 4.625%
HK$58,874
+HK$2,948/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,852/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,753 · Scale 2, in force from 26 Feb 2026)