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$26,377
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,198
−HK$833/mo
Today · 4.125%
HK$28,031
baseline
▲ 0.50% · 4.625%
HK$29,737
+HK$1,706/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,062/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,345
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,132
−HK$798/mo
Today · 4.125%
HK$30,930
baseline
▲ 0.50% · 4.625%
HK$32,560
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,860/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,653
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,637
−HK$1,001/mo
Today · 4.125%
HK$33,638
baseline
▲ 0.50% · 4.625%
HK$35,684
+HK$2,046/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,276/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,213
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,158
−HK$958/mo
Today · 4.125%
HK$37,116
baseline
▲ 0.50% · 4.625%
HK$39,072
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,232/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,928
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,077
−HK$1,167/mo
Today · 4.125%
HK$39,244
baseline
▲ 0.50% · 4.625%
HK$41,632
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,488/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,082
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,184
−HK$1,118/mo
Today · 4.125%
HK$43,302
baseline
▲ 0.50% · 4.625%
HK$45,584
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,604/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,479
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,956
−HK$1,501/mo
Today · 4.125%
HK$50,457
baseline
▲ 0.50% · 4.625%
HK$53,527
+HK$3,070/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,914/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,820
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,237
−HK$1,437/mo
Today · 4.125%
HK$55,674
baseline
▲ 0.50% · 4.625%
HK$58,608
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,348/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,789 · Scale 2, in force from 26 Feb 2026)