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$26,514
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,339
−HK$838/mo
Today · 4.125%
HK$28,177
baseline
▲ 0.50% · 4.625%
HK$29,892
+HK$1,715/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,354/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,497
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$803/mo
Today · 4.125%
HK$31,091
baseline
▲ 0.50% · 4.625%
HK$32,730
+HK$1,639/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,182/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,817
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,807
−HK$1,006/mo
Today · 4.125%
HK$33,813
baseline
▲ 0.50% · 4.625%
HK$35,870
+HK$2,057/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,626/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,397
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$36,346
−HK$963/mo
Today · 4.125%
HK$37,309
baseline
▲ 0.50% · 4.625%
HK$39,275
+HK$1,966/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,618/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,120
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,275
−HK$1,173/mo
Today · 4.125%
HK$39,448
baseline
▲ 0.50% · 4.625%
HK$41,848
+HK$2,400/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,896/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,296
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,403
−HK$1,124/mo
Today · 4.125%
HK$43,527
baseline
▲ 0.50% · 4.625%
HK$45,821
+HK$2,294/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,054/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$436,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,726
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,211
−HK$1,508/mo
Today · 4.125%
HK$50,719
baseline
▲ 0.50% · 4.625%
HK$53,805
+HK$3,086/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,438/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,095
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,519
−HK$1,444/mo
Today · 4.125%
HK$55,963
baseline
▲ 0.50% · 4.625%
HK$58,913
+HK$2,950/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,926/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,045 · Scale 2, in force from 26 Feb 2026)