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$26,543
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,369
−HK$839/mo
Today · 4.125%
HK$28,208
baseline
▲ 0.50% · 4.625%
HK$29,924
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,416/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,529
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,321
−HK$803/mo
Today · 4.125%
HK$31,124
baseline
▲ 0.50% · 4.625%
HK$32,765
+HK$1,641/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,248/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$436,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,852
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,842
−HK$1,007/mo
Today · 4.125%
HK$33,849
baseline
▲ 0.50% · 4.625%
HK$35,909
+HK$2,060/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$67,698/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,435
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,385
−HK$964/mo
Today · 4.125%
HK$37,349
baseline
▲ 0.50% · 4.625%
HK$39,318
+HK$1,969/mo
Deposit HK$4.66M · loan HK$6.98M · min. income ≈ HK$74,698/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,160
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,316
−HK$1,175/mo
Today · 4.125%
HK$39,491
baseline
▲ 0.50% · 4.625%
HK$41,893
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$78,982/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,340
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,449
−HK$1,125/mo
Today · 4.125%
HK$43,574
baseline
▲ 0.50% · 4.625%
HK$45,871
+HK$2,297/mo
Deposit HK$3.49M · loan HK$8.15M · min. income ≈ HK$87,148/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,777
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,264
−HK$1,510/mo
Today · 4.125%
HK$50,774
baseline
▲ 0.50% · 4.625%
HK$53,863
+HK$3,089/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$101,548/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,152
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,577
−HK$1,447/mo
Today · 4.125%
HK$56,024
baseline
▲ 0.50% · 4.625%
HK$58,977
+HK$2,953/mo
Deposit HK$1.16M · loan HK$10.48M · min. income ≈ HK$112,048/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,515 · Scale 2, in force from 26 Feb 2026)