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$26,424
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,245
−HK$836/mo
Today · 4.125%
HK$28,081
baseline
▲ 0.50% · 4.625%
HK$29,789
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,162/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,396
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,184
−HK$800/mo
Today · 4.125%
HK$30,984
baseline
▲ 0.50% · 4.625%
HK$32,617
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,968/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,708
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,695
−HK$1,002/mo
Today · 4.125%
HK$33,697
baseline
▲ 0.50% · 4.625%
HK$35,747
+HK$2,050/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$67,394/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,275
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,221
−HK$960/mo
Today · 4.125%
HK$37,181
baseline
▲ 0.50% · 4.625%
HK$39,141
+HK$1,960/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$74,362/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,993
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,144
−HK$1,169/mo
Today · 4.125%
HK$39,313
baseline
▲ 0.50% · 4.625%
HK$41,705
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,626/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,154
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,258
−HK$1,120/mo
Today · 4.125%
HK$43,378
baseline
▲ 0.50% · 4.625%
HK$45,664
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,756/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,562
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,042
−HK$1,503/mo
Today · 4.125%
HK$50,545
baseline
▲ 0.50% · 4.625%
HK$53,621
+HK$3,076/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,090/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,913
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,332
−HK$1,439/mo
Today · 4.125%
HK$55,771
baseline
▲ 0.50% · 4.625%
HK$58,711
+HK$2,940/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,542/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,550 · Scale 2, in force from 26 Feb 2026)