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$26,370
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,190
−HK$834/mo
Today · 4.125%
HK$28,024
baseline
▲ 0.50% · 4.625%
HK$29,729
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,048/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,336
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,123
−HK$798/mo
Today · 4.125%
HK$30,921
baseline
▲ 0.50% · 4.625%
HK$32,551
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,842/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,644
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,628
−HK$1,000/mo
Today · 4.125%
HK$33,628
baseline
▲ 0.50% · 4.625%
HK$35,675
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,256/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,204
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,148
−HK$958/mo
Today · 4.125%
HK$37,106
baseline
▲ 0.50% · 4.625%
HK$39,062
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,212/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,918
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,066
−HK$1,167/mo
Today · 4.125%
HK$39,233
baseline
▲ 0.50% · 4.625%
HK$41,620
+HK$2,387/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,466/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,071
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,172
−HK$1,118/mo
Today · 4.125%
HK$43,290
baseline
▲ 0.50% · 4.625%
HK$45,572
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,580/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,466
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,943
−HK$1,500/mo
Today · 4.125%
HK$50,443
baseline
▲ 0.50% · 4.625%
HK$53,512
+HK$3,069/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,886/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,806
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,222
−HK$1,436/mo
Today · 4.125%
HK$55,658
baseline
▲ 0.50% · 4.625%
HK$58,592
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,316/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,669 · Scale 2, in force from 26 Feb 2026)