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$26,528
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,353
−HK$839/mo
Today · 4.125%
HK$28,192
baseline
▲ 0.50% · 4.625%
HK$29,907
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,384/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,512
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,304
−HK$803/mo
Today · 4.125%
HK$31,107
baseline
▲ 0.50% · 4.625%
HK$32,746
+HK$1,639/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,214/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,834
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,824
−HK$1,006/mo
Today · 4.125%
HK$33,830
baseline
▲ 0.50% · 4.625%
HK$35,889
+HK$2,059/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,660/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,415
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,365
−HK$963/mo
Today · 4.125%
HK$37,328
baseline
▲ 0.50% · 4.625%
HK$39,296
+HK$1,968/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,656/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,139
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,295
−HK$1,173/mo
Today · 4.125%
HK$39,468
baseline
▲ 0.50% · 4.625%
HK$41,870
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,936/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,317
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,425
−HK$1,124/mo
Today · 4.125%
HK$43,549
baseline
▲ 0.50% · 4.625%
HK$45,845
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,098/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,751
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,236
−HK$1,509/mo
Today · 4.125%
HK$50,745
baseline
▲ 0.50% · 4.625%
HK$53,833
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,490/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,122
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,547
−HK$1,445/mo
Today · 4.125%
HK$55,992
baseline
▲ 0.50% · 4.625%
HK$58,944
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,984/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,270 · Scale 2, in force from 26 Feb 2026)