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$26,497
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,322
−HK$837/mo
Today · 4.125%
HK$28,159
baseline
▲ 0.50% · 4.625%
HK$29,872
+HK$1,713/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$56,318/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,478
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,269
−HK$802/mo
Today · 4.125%
HK$31,071
baseline
▲ 0.50% · 4.625%
HK$32,708
+HK$1,637/mo
Deposit HK$5.81M · loan HK$5.81M · min. income ≈ HK$62,142/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$435,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,797
−HK$1,994/mo
▼ 0.25% · 3.875%
HK$32,786
−HK$1,005/mo
Today · 4.125%
HK$33,791
baseline
▲ 0.50% · 4.625%
HK$35,847
+HK$2,056/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$67,582/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,374
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$36,322
−HK$963/mo
Today · 4.125%
HK$37,285
baseline
▲ 0.50% · 4.625%
HK$39,250
+HK$1,965/mo
Deposit HK$4.65M · loan HK$6.97M · min. income ≈ HK$74,570/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$435,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,096
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,250
−HK$1,172/mo
Today · 4.125%
HK$39,422
baseline
▲ 0.50% · 4.625%
HK$41,821
+HK$2,399/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$78,844/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,269
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,376
−HK$1,123/mo
Today · 4.125%
HK$43,499
baseline
▲ 0.50% · 4.625%
HK$45,792
+HK$2,293/mo
Deposit HK$3.49M · loan HK$8.13M · min. income ≈ HK$86,998/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$435,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,695
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,179
−HK$1,507/mo
Today · 4.125%
HK$50,686
baseline
▲ 0.50% · 4.625%
HK$53,770
+HK$3,084/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$101,372/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,060
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,483
−HK$1,444/mo
Today · 4.125%
HK$55,927
baseline
▲ 0.50% · 4.625%
HK$58,875
+HK$2,948/mo
Deposit HK$1.16M · loan HK$10.46M · min. income ≈ HK$111,854/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$435,762 · Scale 2, in force from 26 Feb 2026)