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$26,485
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,309
−HK$837/mo
Today · 4.125%
HK$28,146
baseline
▲ 0.50% · 4.625%
HK$29,858
+HK$1,712/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,292/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,464
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,254
−HK$802/mo
Today · 4.125%
HK$31,056
baseline
▲ 0.50% · 4.625%
HK$32,693
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,112/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,782
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,771
−HK$1,004/mo
Today · 4.125%
HK$33,775
baseline
▲ 0.50% · 4.625%
HK$35,830
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,550/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,357
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,305
−HK$962/mo
Today · 4.125%
HK$37,267
baseline
▲ 0.50% · 4.625%
HK$39,232
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,534/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,079
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,232
−HK$1,172/mo
Today · 4.125%
HK$39,404
baseline
▲ 0.50% · 4.625%
HK$41,802
+HK$2,398/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,808/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,250
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,356
−HK$1,123/mo
Today · 4.125%
HK$43,479
baseline
▲ 0.50% · 4.625%
HK$45,770
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,958/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,673
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,156
−HK$1,506/mo
Today · 4.125%
HK$50,662
baseline
▲ 0.50% · 4.625%
HK$53,745
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,324/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,036
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,458
−HK$1,443/mo
Today · 4.125%
HK$55,901
baseline
▲ 0.50% · 4.625%
HK$58,848
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,802/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,559 · Scale 2, in force from 26 Feb 2026)