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$26,426
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,248
−HK$835/mo
Today · 4.125%
HK$28,083
baseline
▲ 0.50% · 4.625%
HK$29,792
+HK$1,709/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,166/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,399
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,187
−HK$800/mo
Today · 4.125%
HK$30,987
baseline
▲ 0.50% · 4.625%
HK$32,621
+HK$1,634/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,974/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,712
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,698
−HK$1,002/mo
Today · 4.125%
HK$33,700
baseline
▲ 0.50% · 4.625%
HK$35,751
+HK$2,051/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$67,400/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,279
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,225
−HK$960/mo
Today · 4.125%
HK$37,185
baseline
▲ 0.50% · 4.625%
HK$39,145
+HK$1,960/mo
Deposit HK$4.64M · loan HK$6.95M · min. income ≈ HK$74,370/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,997
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,148
−HK$1,169/mo
Today · 4.125%
HK$39,317
baseline
▲ 0.50% · 4.625%
HK$41,709
+HK$2,392/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,634/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,159
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,262
−HK$1,120/mo
Today · 4.125%
HK$43,382
baseline
▲ 0.50% · 4.625%
HK$45,669
+HK$2,287/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,764/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,567
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,047
−HK$1,503/mo
Today · 4.125%
HK$50,550
baseline
▲ 0.50% · 4.625%
HK$53,626
+HK$3,076/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,100/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,918
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,337
−HK$1,440/mo
Today · 4.125%
HK$55,777
baseline
▲ 0.50% · 4.625%
HK$58,717
+HK$2,940/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,554/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,595 · Scale 2, in force from 26 Feb 2026)