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$26,144
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,957
−HK$826/mo
Today · 4.125%
HK$27,783
baseline
▲ 0.50% · 4.625%
HK$29,474
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,566/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,085
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,865
−HK$791/mo
Today · 4.125%
HK$30,656
baseline
▲ 0.50% · 4.625%
HK$32,272
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,312/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,373
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,348
−HK$992/mo
Today · 4.125%
HK$33,340
baseline
▲ 0.50% · 4.625%
HK$35,368
+HK$2,028/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,680/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,902
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,838
−HK$949/mo
Today · 4.125%
HK$36,787
baseline
▲ 0.50% · 4.625%
HK$38,726
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,574/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,601
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,740
−HK$1,156/mo
Today · 4.125%
HK$38,896
baseline
▲ 0.50% · 4.625%
HK$41,263
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,792/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,719
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,811
−HK$1,107/mo
Today · 4.125%
HK$42,918
baseline
▲ 0.50% · 4.625%
HK$45,181
+HK$2,263/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,836/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,059
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,523
−HK$1,487/mo
Today · 4.125%
HK$50,010
baseline
▲ 0.50% · 4.625%
HK$53,053
+HK$3,043/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,020/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,352
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,756
−HK$1,425/mo
Today · 4.125%
HK$55,181
baseline
▲ 0.50% · 4.625%
HK$58,090
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,362/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,948 · Scale 2, in force from 26 Feb 2026)