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$26,131
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,944
−HK$825/mo
Today · 4.125%
HK$27,769
baseline
▲ 0.50% · 4.625%
HK$29,459
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,538/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,070
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$791/mo
Today · 4.125%
HK$30,641
baseline
▲ 0.50% · 4.625%
HK$32,256
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,282/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,357
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,332
−HK$991/mo
Today · 4.125%
HK$33,323
baseline
▲ 0.50% · 4.625%
HK$35,351
+HK$2,028/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$66,646/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,884
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,820
−HK$949/mo
Today · 4.125%
HK$36,769
baseline
▲ 0.50% · 4.625%
HK$38,707
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$73,538/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,583
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,721
−HK$1,156/mo
Today · 4.125%
HK$38,877
baseline
▲ 0.50% · 4.625%
HK$41,243
+HK$2,366/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,754/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,698
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,790
−HK$1,107/mo
Today · 4.125%
HK$42,897
baseline
▲ 0.50% · 4.625%
HK$45,158
+HK$2,261/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,794/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,035
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,498
−HK$1,487/mo
Today · 4.125%
HK$49,985
baseline
▲ 0.50% · 4.625%
HK$53,026
+HK$3,041/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,970/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,326
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,730
−HK$1,423/mo
Today · 4.125%
HK$55,153
baseline
▲ 0.50% · 4.625%
HK$58,061
+HK$2,908/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,306/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,735 · Scale 2, in force from 26 Feb 2026)