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$26,422
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,244
−HK$835/mo
Today · 4.125%
HK$28,079
baseline
▲ 0.50% · 4.625%
HK$29,787
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,158/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,394
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,182
−HK$800/mo
Today · 4.125%
HK$30,982
baseline
▲ 0.50% · 4.625%
HK$32,615
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,964/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,706
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,692
−HK$1,002/mo
Today · 4.125%
HK$33,694
baseline
▲ 0.50% · 4.625%
HK$35,745
+HK$2,051/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,388/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,273
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,219
−HK$960/mo
Today · 4.125%
HK$37,179
baseline
▲ 0.50% · 4.625%
HK$39,138
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,358/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,991
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,141
−HK$1,169/mo
Today · 4.125%
HK$39,310
baseline
▲ 0.50% · 4.625%
HK$41,702
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,620/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,152
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,255
−HK$1,120/mo
Today · 4.125%
HK$43,375
baseline
▲ 0.50% · 4.625%
HK$45,661
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,750/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,559
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,039
−HK$1,503/mo
Today · 4.125%
HK$50,542
baseline
▲ 0.50% · 4.625%
HK$53,617
+HK$3,075/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,084/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,909
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,328
−HK$1,440/mo
Today · 4.125%
HK$55,768
baseline
▲ 0.50% · 4.625%
HK$58,707
+HK$2,939/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,536/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,522 · Scale 2, in force from 26 Feb 2026)