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$26,548
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,374
−HK$838/mo
Today · 4.125%
HK$28,212
baseline
▲ 0.50% · 4.625%
HK$29,929
+HK$1,717/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,424/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,534
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,326
−HK$804/mo
Today · 4.125%
HK$31,130
baseline
▲ 0.50% · 4.625%
HK$32,771
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,260/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,857
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,848
−HK$1,007/mo
Today · 4.125%
HK$33,855
baseline
▲ 0.50% · 4.625%
HK$35,915
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$67,710/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,441
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,391
−HK$965/mo
Today · 4.125%
HK$37,356
baseline
▲ 0.50% · 4.625%
HK$39,325
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.99M · min. income ≈ HK$74,712/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,167
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,323
−HK$1,174/mo
Today · 4.125%
HK$39,497
baseline
▲ 0.50% · 4.625%
HK$41,901
+HK$2,404/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,994/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,348
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,457
−HK$1,125/mo
Today · 4.125%
HK$43,582
baseline
▲ 0.50% · 4.625%
HK$45,879
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,164/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,786
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,272
−HK$1,510/mo
Today · 4.125%
HK$50,782
baseline
▲ 0.50% · 4.625%
HK$53,872
+HK$3,090/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,564/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,161
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,587
−HK$1,446/mo
Today · 4.125%
HK$56,033
baseline
▲ 0.50% · 4.625%
HK$58,987
+HK$2,954/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,066/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,592 · Scale 2, in force from 26 Feb 2026)