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$26,128
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,941
−HK$825/mo
Today · 4.125%
HK$27,766
baseline
▲ 0.50% · 4.625%
HK$29,456
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,532/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,067
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,847
−HK$791/mo
Today · 4.125%
HK$30,638
baseline
▲ 0.50% · 4.625%
HK$32,253
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,276/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,354
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,329
−HK$991/mo
Today · 4.125%
HK$33,320
baseline
▲ 0.50% · 4.625%
HK$35,347
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$66,640/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,881
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,816
−HK$949/mo
Today · 4.125%
HK$36,765
baseline
▲ 0.50% · 4.625%
HK$38,703
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$73,530/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,579
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,717
−HK$1,156/mo
Today · 4.125%
HK$38,873
baseline
▲ 0.50% · 4.625%
HK$41,238
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,746/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,694
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,785
−HK$1,108/mo
Today · 4.125%
HK$42,893
baseline
▲ 0.50% · 4.625%
HK$45,154
+HK$2,261/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,786/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,030
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,493
−HK$1,487/mo
Today · 4.125%
HK$49,980
baseline
▲ 0.50% · 4.625%
HK$53,021
+HK$3,041/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,960/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,321
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,724
−HK$1,424/mo
Today · 4.125%
HK$55,148
baseline
▲ 0.50% · 4.625%
HK$58,055
+HK$2,907/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,296/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,689 · Scale 2, in force from 26 Feb 2026)