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$26,386
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,207
−HK$833/mo
Today · 4.125%
HK$28,040
baseline
▲ 0.50% · 4.625%
HK$29,747
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,080/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,354
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,141
−HK$799/mo
Today · 4.125%
HK$30,940
baseline
▲ 0.50% · 4.625%
HK$32,571
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,880/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,663
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,648
−HK$1,001/mo
Today · 4.125%
HK$33,649
baseline
▲ 0.50% · 4.625%
HK$35,696
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,298/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,225
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,170
−HK$958/mo
Today · 4.125%
HK$37,128
baseline
▲ 0.50% · 4.625%
HK$39,085
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,256/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,940
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,089
−HK$1,168/mo
Today · 4.125%
HK$39,257
baseline
▲ 0.50% · 4.625%
HK$41,645
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,514/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,096
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,198
−HK$1,118/mo
Today · 4.125%
HK$43,316
baseline
▲ 0.50% · 4.625%
HK$45,599
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,632/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,495
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,972
−HK$1,501/mo
Today · 4.125%
HK$50,473
baseline
▲ 0.50% · 4.625%
HK$53,544
+HK$3,071/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,946/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,837
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,254
−HK$1,438/mo
Today · 4.125%
HK$55,692
baseline
▲ 0.50% · 4.625%
HK$58,627
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,384/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,930 · Scale 2, in force from 26 Feb 2026)