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$26,363
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,183
−HK$833/mo
Today · 4.125%
HK$28,016
baseline
▲ 0.50% · 4.625%
HK$29,721
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,032/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,328
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,115
−HK$798/mo
Today · 4.125%
HK$30,913
baseline
▲ 0.50% · 4.625%
HK$32,542
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,826/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,635
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,620
−HK$999/mo
Today · 4.125%
HK$33,619
baseline
▲ 0.50% · 4.625%
HK$35,665
+HK$2,046/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$67,238/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,194
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,138
−HK$958/mo
Today · 4.125%
HK$37,096
baseline
▲ 0.50% · 4.625%
HK$39,051
+HK$1,955/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$74,192/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,908
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,056
−HK$1,167/mo
Today · 4.125%
HK$39,223
baseline
▲ 0.50% · 4.625%
HK$41,609
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,446/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,060
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,161
−HK$1,117/mo
Today · 4.125%
HK$43,278
baseline
▲ 0.50% · 4.625%
HK$45,559
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,556/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,453
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,929
−HK$1,500/mo
Today · 4.125%
HK$50,429
baseline
▲ 0.50% · 4.625%
HK$53,497
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,858/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,791
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,207
−HK$1,436/mo
Today · 4.125%
HK$55,643
baseline
▲ 0.50% · 4.625%
HK$58,576
+HK$2,933/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,286/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,552 · Scale 2, in force from 26 Feb 2026)