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$26,364
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,184
−HK$833/mo
Today · 4.125%
HK$28,017
baseline
▲ 0.50% · 4.625%
HK$29,722
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,034/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,330
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,116
−HK$798/mo
Today · 4.125%
HK$30,914
baseline
▲ 0.50% · 4.625%
HK$32,544
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,828/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,637
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,621
−HK$1,000/mo
Today · 4.125%
HK$33,621
baseline
▲ 0.50% · 4.625%
HK$35,666
+HK$2,045/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$67,242/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,196
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,140
−HK$957/mo
Today · 4.125%
HK$37,097
baseline
▲ 0.50% · 4.625%
HK$39,053
+HK$1,956/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$74,194/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,910
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,058
−HK$1,166/mo
Today · 4.125%
HK$39,224
baseline
▲ 0.50% · 4.625%
HK$41,611
+HK$2,387/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,448/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,062
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,163
−HK$1,117/mo
Today · 4.125%
HK$43,280
baseline
▲ 0.50% · 4.625%
HK$45,561
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,560/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,455
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,931
−HK$1,500/mo
Today · 4.125%
HK$50,431
baseline
▲ 0.50% · 4.625%
HK$53,500
+HK$3,069/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,862/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,793
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,209
−HK$1,437/mo
Today · 4.125%
HK$55,646
baseline
▲ 0.50% · 4.625%
HK$58,579
+HK$2,933/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,292/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,570 · Scale 2, in force from 26 Feb 2026)