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$26,189
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,004
−HK$827/mo
Today · 4.125%
HK$27,831
baseline
▲ 0.50% · 4.625%
HK$29,525
+HK$1,694/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,662/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,135
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,917
−HK$792/mo
Today · 4.125%
HK$30,709
baseline
▲ 0.50% · 4.625%
HK$32,328
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,418/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,427
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,405
−HK$993/mo
Today · 4.125%
HK$33,398
baseline
▲ 0.50% · 4.625%
HK$35,430
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,796/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,962
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,900
−HK$951/mo
Today · 4.125%
HK$36,851
baseline
▲ 0.50% · 4.625%
HK$38,794
+HK$1,943/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,702/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,665
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,805
−HK$1,159/mo
Today · 4.125%
HK$38,964
baseline
▲ 0.50% · 4.625%
HK$41,335
+HK$2,371/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,928/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,789
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,883
−HK$1,110/mo
Today · 4.125%
HK$42,993
baseline
▲ 0.50% · 4.625%
HK$45,259
+HK$2,266/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$85,986/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,141
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,607
−HK$1,490/mo
Today · 4.125%
HK$50,097
baseline
▲ 0.50% · 4.625%
HK$53,145
+HK$3,048/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,194/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,443
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,850
−HK$1,427/mo
Today · 4.125%
HK$55,277
baseline
▲ 0.50% · 4.625%
HK$58,190
+HK$2,913/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,554/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,695 · Scale 2, in force from 26 Feb 2026)