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$26,441
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,263
−HK$836/mo
Today · 4.125%
HK$28,099
baseline
▲ 0.50% · 4.625%
HK$29,809
+HK$1,710/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$56,198/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,415
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,204
−HK$800/mo
Today · 4.125%
HK$31,004
baseline
▲ 0.50% · 4.625%
HK$32,639
+HK$1,635/mo
Deposit HK$5.80M · loan HK$5.80M · min. income ≈ HK$62,008/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,729
−HK$1,990/mo
▼ 0.25% · 3.875%
HK$32,716
−HK$1,003/mo
Today · 4.125%
HK$33,719
baseline
▲ 0.50% · 4.625%
HK$35,770
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$67,438/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,298
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,245
−HK$960/mo
Today · 4.125%
HK$37,205
baseline
▲ 0.50% · 4.625%
HK$39,166
+HK$1,961/mo
Deposit HK$4.64M · loan HK$6.96M · min. income ≈ HK$74,410/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,017
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,169
−HK$1,169/mo
Today · 4.125%
HK$39,338
baseline
▲ 0.50% · 4.625%
HK$41,732
+HK$2,394/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$78,676/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,181
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,286
−HK$1,120/mo
Today · 4.125%
HK$43,406
baseline
▲ 0.50% · 4.625%
HK$45,694
+HK$2,288/mo
Deposit HK$3.48M · loan HK$8.12M · min. income ≈ HK$86,812/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,593
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,074
−HK$1,504/mo
Today · 4.125%
HK$50,578
baseline
▲ 0.50% · 4.625%
HK$53,656
+HK$3,078/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$101,156/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,947
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,367
−HK$1,441/mo
Today · 4.125%
HK$55,808
baseline
▲ 0.50% · 4.625%
HK$58,750
+HK$2,942/mo
Deposit HK$1.16M · loan HK$10.44M · min. income ≈ HK$111,616/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,834 · Scale 2, in force from 26 Feb 2026)