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$26,531
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,357
−HK$838/mo
Today · 4.125%
HK$28,195
baseline
▲ 0.50% · 4.625%
HK$29,911
+HK$1,716/mo
Deposit HK$5.82M · loan HK$5.82M · min. income ≈ HK$56,390/mo (50% DSR)
Upfront cash ≈ HK$6.25M (deposit + AVD stamp duty HK$436,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,516
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,307
−HK$804/mo
Today · 4.125%
HK$31,111
baseline
▲ 0.50% · 4.625%
HK$32,750
+HK$1,639/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$436,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,838
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,828
−HK$1,006/mo
Today · 4.125%
HK$33,834
baseline
▲ 0.50% · 4.625%
HK$35,893
+HK$2,059/mo
Deposit HK$4.65M · loan HK$6.98M · min. income ≈ HK$67,668/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$436,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,419
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,369
−HK$964/mo
Today · 4.125%
HK$37,333
baseline
▲ 0.50% · 4.625%
HK$39,300
+HK$1,967/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$436,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,144
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,299
−HK$1,174/mo
Today · 4.125%
HK$39,473
baseline
▲ 0.50% · 4.625%
HK$41,875
+HK$2,402/mo
Deposit HK$3.49M · loan HK$8.14M · min. income ≈ HK$78,946/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$436,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,322
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,430
−HK$1,125/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$436,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,756
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,242
−HK$1,509/mo
Today · 4.125%
HK$50,751
baseline
▲ 0.50% · 4.625%
HK$53,839
+HK$3,088/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$101,502/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,129
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,553
−HK$1,446/mo
Today · 4.125%
HK$55,999
baseline
▲ 0.50% · 4.625%
HK$58,951
+HK$2,952/mo
Deposit HK$1.16M · loan HK$10.47M · min. income ≈ HK$111,998/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$436,323 · Scale 2, in force from 26 Feb 2026)