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$26,419
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,241
−HK$834/mo
Today · 4.125%
HK$28,075
baseline
▲ 0.50% · 4.625%
HK$29,784
+HK$1,709/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,150/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,391
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,179
−HK$799/mo
Today · 4.125%
HK$30,978
baseline
▲ 0.50% · 4.625%
HK$32,611
+HK$1,633/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,956/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,702
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,689
−HK$1,002/mo
Today · 4.125%
HK$33,691
baseline
▲ 0.50% · 4.625%
HK$35,741
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,382/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,269
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,215
−HK$959/mo
Today · 4.125%
HK$37,174
baseline
▲ 0.50% · 4.625%
HK$39,134
+HK$1,960/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,348/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,986
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,137
−HK$1,169/mo
Today · 4.125%
HK$39,306
baseline
▲ 0.50% · 4.625%
HK$41,697
+HK$2,391/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$78,612/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,147
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,250
−HK$1,120/mo
Today · 4.125%
HK$43,370
baseline
▲ 0.50% · 4.625%
HK$45,656
+HK$2,286/mo
Deposit HK$3.48M · loan HK$8.11M · min. income ≈ HK$86,740/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,554
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,033
−HK$1,503/mo
Today · 4.125%
HK$50,536
baseline
▲ 0.50% · 4.625%
HK$53,611
+HK$3,075/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$101,072/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,903
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,322
−HK$1,439/mo
Today · 4.125%
HK$55,761
baseline
▲ 0.50% · 4.625%
HK$58,701
+HK$2,940/mo
Deposit HK$1.16M · loan HK$10.43M · min. income ≈ HK$111,522/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,471 · Scale 2, in force from 26 Feb 2026)