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$26,527
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,352
−HK$839/mo
Today · 4.125%
HK$28,191
baseline
▲ 0.50% · 4.625%
HK$29,906
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,382/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,511
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,303
−HK$803/mo
Today · 4.125%
HK$31,106
baseline
▲ 0.50% · 4.625%
HK$32,745
+HK$1,639/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,212/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,833
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,823
−HK$1,006/mo
Today · 4.125%
HK$33,829
baseline
▲ 0.50% · 4.625%
HK$35,887
+HK$2,058/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,658/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,413
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,363
−HK$964/mo
Today · 4.125%
HK$37,327
baseline
▲ 0.50% · 4.625%
HK$39,294
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,654/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,138
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,293
−HK$1,174/mo
Today · 4.125%
HK$39,467
baseline
▲ 0.50% · 4.625%
HK$41,868
+HK$2,401/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,934/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,316
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,424
−HK$1,124/mo
Today · 4.125%
HK$43,548
baseline
▲ 0.50% · 4.625%
HK$45,843
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,096/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,749
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,234
−HK$1,509/mo
Today · 4.125%
HK$50,743
baseline
▲ 0.50% · 4.625%
HK$53,831
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,486/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,120
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,545
−HK$1,445/mo
Today · 4.125%
HK$55,990
baseline
▲ 0.50% · 4.625%
HK$58,941
+HK$2,951/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,980/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,253 · Scale 2, in force from 26 Feb 2026)