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$26,133
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,946
−HK$826/mo
Today · 4.125%
HK$27,772
baseline
▲ 0.50% · 4.625%
HK$29,462
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,544/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,073
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,853
−HK$791/mo
Today · 4.125%
HK$30,644
baseline
▲ 0.50% · 4.625%
HK$32,259
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,288/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,360
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,335
−HK$991/mo
Today · 4.125%
HK$33,326
baseline
▲ 0.50% · 4.625%
HK$35,354
+HK$2,028/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$66,652/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,888
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,823
−HK$949/mo
Today · 4.125%
HK$36,772
baseline
▲ 0.50% · 4.625%
HK$38,711
+HK$1,939/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$73,544/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,586
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,725
−HK$1,156/mo
Today · 4.125%
HK$38,881
baseline
▲ 0.50% · 4.625%
HK$41,247
+HK$2,366/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,762/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,702
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,794
−HK$1,107/mo
Today · 4.125%
HK$42,901
baseline
▲ 0.50% · 4.625%
HK$45,162
+HK$2,261/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,802/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,040
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,503
−HK$1,487/mo
Today · 4.125%
HK$49,990
baseline
▲ 0.50% · 4.625%
HK$53,031
+HK$3,041/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,980/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,331
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,735
−HK$1,424/mo
Today · 4.125%
HK$55,159
baseline
▲ 0.50% · 4.625%
HK$58,066
+HK$2,907/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,318/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,775 · Scale 2, in force from 26 Feb 2026)