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$26,401
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,222
−HK$835/mo
Today · 4.125%
HK$28,057
baseline
▲ 0.50% · 4.625%
HK$29,764
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,114/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,371
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,159
−HK$799/mo
Today · 4.125%
HK$30,958
baseline
▲ 0.50% · 4.625%
HK$32,590
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,916/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,681
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,667
−HK$1,001/mo
Today · 4.125%
HK$33,668
baseline
▲ 0.50% · 4.625%
HK$35,717
+HK$2,049/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,336/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,245
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,190
−HK$959/mo
Today · 4.125%
HK$37,149
baseline
▲ 0.50% · 4.625%
HK$39,108
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,298/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,962
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,111
−HK$1,168/mo
Today · 4.125%
HK$39,279
baseline
▲ 0.50% · 4.625%
HK$41,669
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,558/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,119
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,222
−HK$1,119/mo
Today · 4.125%
HK$43,341
baseline
▲ 0.50% · 4.625%
HK$45,625
+HK$2,284/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,682/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,522
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,000
−HK$1,502/mo
Today · 4.125%
HK$50,502
baseline
▲ 0.50% · 4.625%
HK$53,575
+HK$3,073/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,004/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,868
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,286
−HK$1,438/mo
Today · 4.125%
HK$55,724
baseline
▲ 0.50% · 4.625%
HK$58,661
+HK$2,937/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,448/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,180 · Scale 2, in force from 26 Feb 2026)