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$26,317
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,135
−HK$832/mo
Today · 4.125%
HK$27,967
baseline
▲ 0.50% · 4.625%
HK$29,669
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,934/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,277
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,062
−HK$797/mo
Today · 4.125%
HK$30,859
baseline
▲ 0.50% · 4.625%
HK$32,485
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,718/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,580
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,562
−HK$998/mo
Today · 4.125%
HK$33,560
baseline
▲ 0.50% · 4.625%
HK$35,602
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$67,120/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,132
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,075
−HK$956/mo
Today · 4.125%
HK$37,031
baseline
▲ 0.50% · 4.625%
HK$38,983
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$74,062/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,843
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,989
−HK$1,165/mo
Today · 4.125%
HK$39,154
baseline
▲ 0.50% · 4.625%
HK$41,536
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,308/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,988
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,087
−HK$1,115/mo
Today · 4.125%
HK$43,202
baseline
▲ 0.50% · 4.625%
HK$45,480
+HK$2,278/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,404/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,370
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,844
−HK$1,497/mo
Today · 4.125%
HK$50,341
baseline
▲ 0.50% · 4.625%
HK$53,404
+HK$3,063/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,682/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,699
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,112
−HK$1,434/mo
Today · 4.125%
HK$55,546
baseline
▲ 0.50% · 4.625%
HK$58,474
+HK$2,928/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,092/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,792 · Scale 2, in force from 26 Feb 2026)