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$26,382
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,203
−HK$834/mo
Today · 4.125%
HK$28,037
baseline
▲ 0.50% · 4.625%
HK$29,743
+HK$1,706/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,074/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,350
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,137
−HK$799/mo
Today · 4.125%
HK$30,936
baseline
▲ 0.50% · 4.625%
HK$32,566
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,872/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,659
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,643
−HK$1,001/mo
Today · 4.125%
HK$33,644
baseline
▲ 0.50% · 4.625%
HK$35,691
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,288/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,220
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,165
−HK$958/mo
Today · 4.125%
HK$37,123
baseline
▲ 0.50% · 4.625%
HK$39,080
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,246/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,935
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,084
−HK$1,167/mo
Today · 4.125%
HK$39,251
baseline
▲ 0.50% · 4.625%
HK$41,640
+HK$2,389/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,502/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,090
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,192
−HK$1,118/mo
Today · 4.125%
HK$43,310
baseline
▲ 0.50% · 4.625%
HK$45,593
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,620/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,488
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,965
−HK$1,501/mo
Today · 4.125%
HK$50,466
baseline
▲ 0.50% · 4.625%
HK$53,537
+HK$3,071/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,932/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,830
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,247
−HK$1,437/mo
Today · 4.125%
HK$55,684
baseline
▲ 0.50% · 4.625%
HK$58,619
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,368/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,870 · Scale 2, in force from 26 Feb 2026)