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$26,394
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,215
−HK$834/mo
Today · 4.125%
HK$28,049
baseline
▲ 0.50% · 4.625%
HK$29,756
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,098/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,363
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,151
−HK$799/mo
Today · 4.125%
HK$30,950
baseline
▲ 0.50% · 4.625%
HK$32,581
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,900/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$434,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,673
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,658
−HK$1,001/mo
Today · 4.125%
HK$33,659
baseline
▲ 0.50% · 4.625%
HK$35,707
+HK$2,048/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,318/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,236
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,181
−HK$959/mo
Today · 4.125%
HK$37,140
baseline
▲ 0.50% · 4.625%
HK$39,097
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,280/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$434,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,952
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,101
−HK$1,168/mo
Today · 4.125%
HK$39,269
baseline
▲ 0.50% · 4.625%
HK$41,659
+HK$2,390/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,538/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,109
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,211
−HK$1,119/mo
Today · 4.125%
HK$43,330
baseline
▲ 0.50% · 4.625%
HK$45,614
+HK$2,284/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,660/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,510
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,987
−HK$1,502/mo
Today · 4.125%
HK$50,489
baseline
▲ 0.50% · 4.625%
HK$53,561
+HK$3,072/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$100,978/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,854
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,272
−HK$1,438/mo
Today · 4.125%
HK$55,710
baseline
▲ 0.50% · 4.625%
HK$58,646
+HK$2,936/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,420/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,068 · Scale 2, in force from 26 Feb 2026)