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$26,255
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,072
−HK$829/mo
Today · 4.125%
HK$27,901
baseline
▲ 0.50% · 4.625%
HK$29,599
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,802/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,208
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$29,992
−HK$795/mo
Today · 4.125%
HK$30,787
baseline
▲ 0.50% · 4.625%
HK$32,409
+HK$1,622/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,574/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,506
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,486
−HK$996/mo
Today · 4.125%
HK$33,482
baseline
▲ 0.50% · 4.625%
HK$35,519
+HK$2,037/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,964/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,050
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,990
−HK$954/mo
Today · 4.125%
HK$36,944
baseline
▲ 0.50% · 4.625%
HK$38,891
+HK$1,947/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,888/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,757
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,900
−HK$1,162/mo
Today · 4.125%
HK$39,062
baseline
▲ 0.50% · 4.625%
HK$41,439
+HK$2,377/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,124/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,892
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,989
−HK$1,112/mo
Today · 4.125%
HK$43,101
baseline
▲ 0.50% · 4.625%
HK$45,373
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,202/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,259
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,729
−HK$1,494/mo
Today · 4.125%
HK$50,223
baseline
▲ 0.50% · 4.625%
HK$53,279
+HK$3,056/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,446/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,575
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,985
−HK$1,431/mo
Today · 4.125%
HK$55,416
baseline
▲ 0.50% · 4.625%
HK$58,337
+HK$2,921/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,832/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,779 · Scale 2, in force from 26 Feb 2026)