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$26,417
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,239
−HK$835/mo
Today · 4.125%
HK$28,074
baseline
▲ 0.50% · 4.625%
HK$29,782
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,148/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,389
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,177
−HK$799/mo
Today · 4.125%
HK$30,976
baseline
▲ 0.50% · 4.625%
HK$32,609
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,952/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,700
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,687
−HK$1,001/mo
Today · 4.125%
HK$33,688
baseline
▲ 0.50% · 4.625%
HK$35,738
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,376/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,266
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,212
−HK$960/mo
Today · 4.125%
HK$37,172
baseline
▲ 0.50% · 4.625%
HK$39,131
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,344/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,984
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,134
−HK$1,169/mo
Today · 4.125%
HK$39,303
baseline
▲ 0.50% · 4.625%
HK$41,695
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,606/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,144
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,248
−HK$1,119/mo
Today · 4.125%
HK$43,367
baseline
▲ 0.50% · 4.625%
HK$45,653
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,734/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,551
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,030
−HK$1,503/mo
Today · 4.125%
HK$50,533
baseline
▲ 0.50% · 4.625%
HK$53,607
+HK$3,074/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,066/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,900
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,318
−HK$1,440/mo
Today · 4.125%
HK$55,758
baseline
▲ 0.50% · 4.625%
HK$58,697
+HK$2,939/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,516/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,443 · Scale 2, in force from 26 Feb 2026)