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$26,493
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,317
−HK$838/mo
Today · 4.125%
HK$28,155
baseline
▲ 0.50% · 4.625%
HK$29,868
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,310/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,474
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,264
−HK$802/mo
Today · 4.125%
HK$31,066
baseline
▲ 0.50% · 4.625%
HK$32,703
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,132/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$435,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,792
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,781
−HK$1,005/mo
Today · 4.125%
HK$33,786
baseline
▲ 0.50% · 4.625%
HK$35,841
+HK$2,055/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,572/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,368
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,317
−HK$962/mo
Today · 4.125%
HK$37,279
baseline
▲ 0.50% · 4.625%
HK$39,244
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,558/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,091
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,244
−HK$1,173/mo
Today · 4.125%
HK$39,417
baseline
▲ 0.50% · 4.625%
HK$41,815
+HK$2,398/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,834/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,263
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,370
−HK$1,122/mo
Today · 4.125%
HK$43,492
baseline
▲ 0.50% · 4.625%
HK$45,785
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,984/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,688
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,171
−HK$1,507/mo
Today · 4.125%
HK$50,678
baseline
▲ 0.50% · 4.625%
HK$53,762
+HK$3,084/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,356/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,052
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,475
−HK$1,444/mo
Today · 4.125%
HK$55,919
baseline
▲ 0.50% · 4.625%
HK$58,866
+HK$2,947/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,838/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,697 · Scale 2, in force from 26 Feb 2026)