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$26,532
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,357
−HK$839/mo
Today · 4.125%
HK$28,196
baseline
▲ 0.50% · 4.625%
HK$29,911
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,392/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,516
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,308
−HK$803/mo
Today · 4.125%
HK$31,111
baseline
▲ 0.50% · 4.625%
HK$32,751
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,222/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,838
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,828
−HK$1,007/mo
Today · 4.125%
HK$33,835
baseline
▲ 0.50% · 4.625%
HK$35,893
+HK$2,058/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,670/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,420
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,369
−HK$964/mo
Today · 4.125%
HK$37,333
baseline
▲ 0.50% · 4.625%
HK$39,301
+HK$1,968/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,666/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,144
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,300
−HK$1,174/mo
Today · 4.125%
HK$39,474
baseline
▲ 0.50% · 4.625%
HK$41,876
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,948/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,323
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,431
−HK$1,124/mo
Today · 4.125%
HK$43,555
baseline
▲ 0.50% · 4.625%
HK$45,851
+HK$2,296/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,110/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,757
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,243
−HK$1,509/mo
Today · 4.125%
HK$50,752
baseline
▲ 0.50% · 4.625%
HK$53,840
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,504/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,129
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,554
−HK$1,446/mo
Today · 4.125%
HK$56,000
baseline
▲ 0.50% · 4.625%
HK$58,952
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$112,000/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,329 · Scale 2, in force from 26 Feb 2026)