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$26,247
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,063
−HK$830/mo
Today · 4.125%
HK$27,893
baseline
▲ 0.50% · 4.625%
HK$29,590
+HK$1,697/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,786/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,199
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,983
−HK$794/mo
Today · 4.125%
HK$30,777
baseline
▲ 0.50% · 4.625%
HK$32,399
+HK$1,622/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,554/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,496
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,476
−HK$995/mo
Today · 4.125%
HK$33,471
baseline
▲ 0.50% · 4.625%
HK$35,508
+HK$2,037/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$66,942/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,039
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,979
−HK$953/mo
Today · 4.125%
HK$36,932
baseline
▲ 0.50% · 4.625%
HK$38,879
+HK$1,947/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$73,864/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,746
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,889
−HK$1,161/mo
Today · 4.125%
HK$39,050
baseline
▲ 0.50% · 4.625%
HK$41,426
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,100/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,879
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,976
−HK$1,112/mo
Today · 4.125%
HK$43,088
baseline
▲ 0.50% · 4.625%
HK$45,359
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,176/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,244
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,714
−HK$1,493/mo
Today · 4.125%
HK$50,207
baseline
▲ 0.50% · 4.625%
HK$53,262
+HK$3,055/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,414/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,559
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,969
−HK$1,429/mo
Today · 4.125%
HK$55,398
baseline
▲ 0.50% · 4.625%
HK$58,319
+HK$2,921/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,796/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,644 · Scale 2, in force from 26 Feb 2026)