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$26,113
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,925
−HK$825/mo
Today · 4.125%
HK$27,750
baseline
▲ 0.50% · 4.625%
HK$29,439
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,500/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,050
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,829
−HK$791/mo
Today · 4.125%
HK$30,620
baseline
▲ 0.50% · 4.625%
HK$32,234
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,240/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,335
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,310
−HK$991/mo
Today · 4.125%
HK$33,301
baseline
▲ 0.50% · 4.625%
HK$35,327
+HK$2,026/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,602/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,860
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,795
−HK$949/mo
Today · 4.125%
HK$36,744
baseline
▲ 0.50% · 4.625%
HK$38,681
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,488/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,558
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,695
−HK$1,156/mo
Today · 4.125%
HK$38,851
baseline
▲ 0.50% · 4.625%
HK$41,215
+HK$2,364/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,702/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,670
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,761
−HK$1,107/mo
Today · 4.125%
HK$42,868
baseline
▲ 0.50% · 4.625%
HK$45,127
+HK$2,259/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,736/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,003
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,465
−HK$1,486/mo
Today · 4.125%
HK$49,951
baseline
▲ 0.50% · 4.625%
HK$52,990
+HK$3,039/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,902/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,291
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,693
−HK$1,423/mo
Today · 4.125%
HK$55,116
baseline
▲ 0.50% · 4.625%
HK$58,021
+HK$2,905/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,232/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,441 · Scale 2, in force from 26 Feb 2026)