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$26,525
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,350
−HK$839/mo
Today · 4.125%
HK$28,189
baseline
▲ 0.50% · 4.625%
HK$29,904
+HK$1,715/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,378/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,509
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,300
−HK$803/mo
Today · 4.125%
HK$31,103
baseline
▲ 0.50% · 4.625%
HK$32,743
+HK$1,640/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$62,206/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,830
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,820
−HK$1,006/mo
Today · 4.125%
HK$33,826
baseline
▲ 0.50% · 4.625%
HK$35,885
+HK$2,059/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,652/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,411
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,361
−HK$963/mo
Today · 4.125%
HK$37,324
baseline
▲ 0.50% · 4.625%
HK$39,291
+HK$1,967/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$74,648/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,135
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,290
−HK$1,174/mo
Today · 4.125%
HK$39,464
baseline
▲ 0.50% · 4.625%
HK$41,865
+HK$2,401/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,928/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,313
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,421
−HK$1,124/mo
Today · 4.125%
HK$43,545
baseline
▲ 0.50% · 4.625%
HK$45,840
+HK$2,295/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$87,090/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,745
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,231
−HK$1,508/mo
Today · 4.125%
HK$50,739
baseline
▲ 0.50% · 4.625%
HK$53,827
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,478/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,116
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,541
−HK$1,445/mo
Today · 4.125%
HK$55,986
baseline
▲ 0.50% · 4.625%
HK$58,937
+HK$2,951/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,972/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,222 · Scale 2, in force from 26 Feb 2026)