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$26,563
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,389
−HK$840/mo
Today · 4.125%
HK$28,229
baseline
▲ 0.50% · 4.625%
HK$29,946
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,458/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,551
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,343
−HK$804/mo
Today · 4.125%
HK$31,147
baseline
▲ 0.50% · 4.625%
HK$32,789
+HK$1,642/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,294/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,875
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$1,007/mo
Today · 4.125%
HK$33,874
baseline
▲ 0.50% · 4.625%
HK$35,935
+HK$2,061/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,748/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,461
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,412
−HK$965/mo
Today · 4.125%
HK$37,377
baseline
▲ 0.50% · 4.625%
HK$39,347
+HK$1,970/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,754/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$436,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,188
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,345
−HK$1,175/mo
Today · 4.125%
HK$39,520
baseline
▲ 0.50% · 4.625%
HK$41,925
+HK$2,405/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$79,040/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,371
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,481
−HK$1,125/mo
Today · 4.125%
HK$43,606
baseline
▲ 0.50% · 4.625%
HK$45,905
+HK$2,299/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,212/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,813
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,300
−HK$1,511/mo
Today · 4.125%
HK$50,811
baseline
▲ 0.50% · 4.625%
HK$53,903
+HK$3,092/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,622/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,192
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,618
−HK$1,447/mo
Today · 4.125%
HK$56,065
baseline
▲ 0.50% · 4.625%
HK$59,021
+HK$2,956/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,130/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,840 · Scale 2, in force from 26 Feb 2026)