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$26,301
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,119
−HK$832/mo
Today · 4.125%
HK$27,951
baseline
▲ 0.50% · 4.625%
HK$29,651
+HK$1,700/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,902/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,260
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,045
−HK$796/mo
Today · 4.125%
HK$30,841
baseline
▲ 0.50% · 4.625%
HK$32,466
+HK$1,625/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,682/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,562
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,543
−HK$998/mo
Today · 4.125%
HK$33,541
baseline
▲ 0.50% · 4.625%
HK$35,582
+HK$2,041/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,082/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,112
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,054
−HK$955/mo
Today · 4.125%
HK$37,009
baseline
▲ 0.50% · 4.625%
HK$38,960
+HK$1,951/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$74,018/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,822
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,967
−HK$1,164/mo
Today · 4.125%
HK$39,131
baseline
▲ 0.50% · 4.625%
HK$41,512
+HK$2,381/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,262/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,964
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,062
−HK$1,115/mo
Today · 4.125%
HK$43,177
baseline
▲ 0.50% · 4.625%
HK$45,453
+HK$2,276/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,354/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,342
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,815
−HK$1,496/mo
Today · 4.125%
HK$50,311
baseline
▲ 0.50% · 4.625%
HK$53,372
+HK$3,061/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,622/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,668
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,080
−HK$1,433/mo
Today · 4.125%
HK$55,513
baseline
▲ 0.50% · 4.625%
HK$58,439
+HK$2,926/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,026/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,538 · Scale 2, in force from 26 Feb 2026)