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$26,549
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,374
−HK$839/mo
Today · 4.125%
HK$28,213
baseline
▲ 0.50% · 4.625%
HK$29,930
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,426/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,535
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,327
−HK$804/mo
Today · 4.125%
HK$31,131
baseline
▲ 0.50% · 4.625%
HK$32,772
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,262/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,858
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,849
−HK$1,007/mo
Today · 4.125%
HK$33,856
baseline
▲ 0.50% · 4.625%
HK$35,916
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,712/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,442
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,393
−HK$964/mo
Today · 4.125%
HK$37,357
baseline
▲ 0.50% · 4.625%
HK$39,326
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,714/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,168
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,324
−HK$1,175/mo
Today · 4.125%
HK$39,499
baseline
▲ 0.50% · 4.625%
HK$41,902
+HK$2,403/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,998/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,349
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,458
−HK$1,125/mo
Today · 4.125%
HK$43,583
baseline
▲ 0.50% · 4.625%
HK$45,880
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,166/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,787
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,274
−HK$1,510/mo
Today · 4.125%
HK$50,784
baseline
▲ 0.50% · 4.625%
HK$53,874
+HK$3,090/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,568/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,163
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,589
−HK$1,446/mo
Today · 4.125%
HK$56,035
baseline
▲ 0.50% · 4.625%
HK$58,989
+HK$2,954/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,070/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,605 · Scale 2, in force from 26 Feb 2026)