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$26,421
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,243
−HK$835/mo
Today · 4.125%
HK$28,078
baseline
▲ 0.50% · 4.625%
HK$29,786
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,156/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,393
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,181
−HK$800/mo
Today · 4.125%
HK$30,981
baseline
▲ 0.50% · 4.625%
HK$32,614
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,962/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,705
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,691
−HK$1,002/mo
Today · 4.125%
HK$33,693
baseline
▲ 0.50% · 4.625%
HK$35,743
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,386/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,271
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,217
−HK$960/mo
Today · 4.125%
HK$37,177
baseline
▲ 0.50% · 4.625%
HK$39,137
+HK$1,960/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,354/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,989
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,140
−HK$1,169/mo
Today · 4.125%
HK$39,309
baseline
▲ 0.50% · 4.625%
HK$41,700
+HK$2,391/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,618/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,150
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,254
−HK$1,119/mo
Today · 4.125%
HK$43,373
baseline
▲ 0.50% · 4.625%
HK$45,659
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,746/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,557
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,037
−HK$1,503/mo
Today · 4.125%
HK$50,540
baseline
▲ 0.50% · 4.625%
HK$53,615
+HK$3,075/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,080/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,907
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,326
−HK$1,439/mo
Today · 4.125%
HK$55,765
baseline
▲ 0.50% · 4.625%
HK$58,705
+HK$2,940/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,530/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,503 · Scale 2, in force from 26 Feb 2026)