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$26,412
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,234
−HK$834/mo
Today · 4.125%
HK$28,068
baseline
▲ 0.50% · 4.625%
HK$29,776
+HK$1,708/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,136/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,383
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,171
−HK$800/mo
Today · 4.125%
HK$30,971
baseline
▲ 0.50% · 4.625%
HK$32,603
+HK$1,632/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,942/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$434,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,695
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,681
−HK$1,001/mo
Today · 4.125%
HK$33,682
baseline
▲ 0.50% · 4.625%
HK$35,732
+HK$2,050/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$67,364/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,260
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,206
−HK$959/mo
Today · 4.125%
HK$37,165
baseline
▲ 0.50% · 4.625%
HK$39,124
+HK$1,959/mo
Deposit HK$4.63M · loan HK$6.95M · min. income ≈ HK$74,330/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$434,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,977
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,127
−HK$1,169/mo
Today · 4.125%
HK$39,296
baseline
▲ 0.50% · 4.625%
HK$41,687
+HK$2,391/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$78,592/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,137
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,240
−HK$1,119/mo
Today · 4.125%
HK$43,359
baseline
▲ 0.50% · 4.625%
HK$45,645
+HK$2,286/mo
Deposit HK$3.47M · loan HK$8.11M · min. income ≈ HK$86,718/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$434,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,542
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,021
−HK$1,502/mo
Today · 4.125%
HK$50,523
baseline
▲ 0.50% · 4.625%
HK$53,597
+HK$3,074/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$101,046/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,890
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,308
−HK$1,439/mo
Today · 4.125%
HK$55,747
baseline
▲ 0.50% · 4.625%
HK$58,686
+HK$2,939/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,494/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$434,363 · Scale 2, in force from 26 Feb 2026)