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$26,475
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,299
−HK$836/mo
Today · 4.125%
HK$28,135
baseline
▲ 0.50% · 4.625%
HK$29,847
+HK$1,712/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,270/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,453
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,243
−HK$801/mo
Today · 4.125%
HK$31,044
baseline
▲ 0.50% · 4.625%
HK$32,681
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,088/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,770
−HK$1,992/mo
▼ 0.25% · 3.875%
HK$32,758
−HK$1,004/mo
Today · 4.125%
HK$33,762
baseline
▲ 0.50% · 4.625%
HK$35,817
+HK$2,055/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$67,524/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,344
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$36,292
−HK$961/mo
Today · 4.125%
HK$37,253
baseline
▲ 0.50% · 4.625%
HK$39,217
+HK$1,964/mo
Deposit HK$4.64M · loan HK$6.97M · min. income ≈ HK$74,506/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,065
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,218
−HK$1,171/mo
Today · 4.125%
HK$39,389
baseline
▲ 0.50% · 4.625%
HK$41,786
+HK$2,397/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$78,778/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,234
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,340
−HK$1,122/mo
Today · 4.125%
HK$43,462
baseline
▲ 0.50% · 4.625%
HK$45,753
+HK$2,291/mo
Deposit HK$3.48M · loan HK$8.13M · min. income ≈ HK$86,924/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,655
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,137
−HK$1,506/mo
Today · 4.125%
HK$50,643
baseline
▲ 0.50% · 4.625%
HK$53,725
+HK$3,082/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$101,286/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,016
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,438
−HK$1,442/mo
Today · 4.125%
HK$55,880
baseline
▲ 0.50% · 4.625%
HK$58,826
+HK$2,946/mo
Deposit HK$1.16M · loan HK$10.45M · min. income ≈ HK$111,760/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,396 · Scale 2, in force from 26 Feb 2026)