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$26,499
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,323
−HK$838/mo
Today · 4.125%
HK$28,161
baseline
▲ 0.50% · 4.625%
HK$29,874
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,322/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,480
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,270
−HK$802/mo
Today · 4.125%
HK$31,072
baseline
▲ 0.50% · 4.625%
HK$32,710
+HK$1,638/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,144/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,799
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,788
−HK$1,005/mo
Today · 4.125%
HK$33,793
baseline
▲ 0.50% · 4.625%
HK$35,849
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,586/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,376
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,324
−HK$963/mo
Today · 4.125%
HK$37,287
baseline
▲ 0.50% · 4.625%
HK$39,252
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,574/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,098
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,252
−HK$1,173/mo
Today · 4.125%
HK$39,425
baseline
▲ 0.50% · 4.625%
HK$41,824
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,850/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,272
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,378
−HK$1,123/mo
Today · 4.125%
HK$43,501
baseline
▲ 0.50% · 4.625%
HK$45,794
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$87,002/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,698
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,182
−HK$1,507/mo
Today · 4.125%
HK$50,689
baseline
▲ 0.50% · 4.625%
HK$53,773
+HK$3,084/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,378/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,063
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,487
−HK$1,443/mo
Today · 4.125%
HK$55,930
baseline
▲ 0.50% · 4.625%
HK$58,879
+HK$2,949/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,860/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,788 · Scale 2, in force from 26 Feb 2026)