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$26,276
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,094
−HK$830/mo
Today · 4.125%
HK$27,924
baseline
▲ 0.50% · 4.625%
HK$29,623
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,848/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,232
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,016
−HK$796/mo
Today · 4.125%
HK$30,812
baseline
▲ 0.50% · 4.625%
HK$32,436
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,624/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,532
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,513
−HK$996/mo
Today · 4.125%
HK$33,509
baseline
▲ 0.50% · 4.625%
HK$35,548
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,018/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,079
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,020
−HK$954/mo
Today · 4.125%
HK$36,974
baseline
▲ 0.50% · 4.625%
HK$38,923
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,948/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,787
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,931
−HK$1,163/mo
Today · 4.125%
HK$39,094
baseline
▲ 0.50% · 4.625%
HK$41,473
+HK$2,379/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,188/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,925
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,023
−HK$1,113/mo
Today · 4.125%
HK$43,136
baseline
▲ 0.50% · 4.625%
HK$45,410
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,272/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,298
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,769
−HK$1,495/mo
Today · 4.125%
HK$50,264
baseline
▲ 0.50% · 4.625%
HK$53,322
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,528/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,618
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,029
−HK$1,432/mo
Today · 4.125%
HK$55,461
baseline
▲ 0.50% · 4.625%
HK$58,384
+HK$2,923/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,922/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,130 · Scale 2, in force from 26 Feb 2026)