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$26,315
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,134
−HK$831/mo
Today · 4.125%
HK$27,965
baseline
▲ 0.50% · 4.625%
HK$29,667
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,930/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,275
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,060
−HK$797/mo
Today · 4.125%
HK$30,857
baseline
▲ 0.50% · 4.625%
HK$32,484
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,714/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,578
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,560
−HK$998/mo
Today · 4.125%
HK$33,558
baseline
▲ 0.50% · 4.625%
HK$35,600
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$67,116/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,130
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,073
−HK$955/mo
Today · 4.125%
HK$37,028
baseline
▲ 0.50% · 4.625%
HK$38,980
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$74,056/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,841
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,987
−HK$1,164/mo
Today · 4.125%
HK$39,151
baseline
▲ 0.50% · 4.625%
HK$41,534
+HK$2,383/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,302/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,985
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,085
−HK$1,115/mo
Today · 4.125%
HK$43,200
baseline
▲ 0.50% · 4.625%
HK$45,477
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,400/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,367
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,841
−HK$1,497/mo
Today · 4.125%
HK$50,338
baseline
▲ 0.50% · 4.625%
HK$53,401
+HK$3,063/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,676/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,696
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,109
−HK$1,434/mo
Today · 4.125%
HK$55,543
baseline
▲ 0.50% · 4.625%
HK$58,470
+HK$2,927/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,086/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,767 · Scale 2, in force from 26 Feb 2026)