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$26,313
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,132
−HK$831/mo
Today · 4.125%
HK$27,963
baseline
▲ 0.50% · 4.625%
HK$29,665
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,926/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,273
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,058
−HK$797/mo
Today · 4.125%
HK$30,855
baseline
▲ 0.50% · 4.625%
HK$32,481
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,710/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,576
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,558
−HK$998/mo
Today · 4.125%
HK$33,556
baseline
▲ 0.50% · 4.625%
HK$35,598
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$67,112/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,128
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,070
−HK$956/mo
Today · 4.125%
HK$37,026
baseline
▲ 0.50% · 4.625%
HK$38,977
+HK$1,951/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$74,052/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,838
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,984
−HK$1,164/mo
Today · 4.125%
HK$39,148
baseline
▲ 0.50% · 4.625%
HK$41,531
+HK$2,383/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,296/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,982
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,081
−HK$1,115/mo
Today · 4.125%
HK$43,196
baseline
▲ 0.50% · 4.625%
HK$45,473
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,392/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,364
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,837
−HK$1,497/mo
Today · 4.125%
HK$50,334
baseline
▲ 0.50% · 4.625%
HK$53,396
+HK$3,062/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,668/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,692
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,105
−HK$1,433/mo
Today · 4.125%
HK$55,538
baseline
▲ 0.50% · 4.625%
HK$58,466
+HK$2,928/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,076/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,733 · Scale 2, in force from 26 Feb 2026)