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$26,483
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,307
−HK$837/mo
Today · 4.125%
HK$28,144
baseline
▲ 0.50% · 4.625%
HK$29,857
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,288/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,462
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,253
−HK$801/mo
Today · 4.125%
HK$31,054
baseline
▲ 0.50% · 4.625%
HK$32,691
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,108/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,780
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$32,769
−HK$1,004/mo
Today · 4.125%
HK$33,773
baseline
▲ 0.50% · 4.625%
HK$35,828
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,546/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,355
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$36,303
−HK$962/mo
Today · 4.125%
HK$37,265
baseline
▲ 0.50% · 4.625%
HK$39,229
+HK$1,964/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,530/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,077
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,230
−HK$1,172/mo
Today · 4.125%
HK$39,402
baseline
▲ 0.50% · 4.625%
HK$41,799
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,804/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,247
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,354
−HK$1,122/mo
Today · 4.125%
HK$43,476
baseline
▲ 0.50% · 4.625%
HK$45,768
+HK$2,292/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,952/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,670
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,153
−HK$1,506/mo
Today · 4.125%
HK$50,659
baseline
▲ 0.50% · 4.625%
HK$53,742
+HK$3,083/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,318/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,032
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,455
−HK$1,443/mo
Today · 4.125%
HK$55,898
baseline
▲ 0.50% · 4.625%
HK$58,844
+HK$2,946/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,796/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,533 · Scale 2, in force from 26 Feb 2026)