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$26,255
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,071
−HK$830/mo
Today · 4.125%
HK$27,901
baseline
▲ 0.50% · 4.625%
HK$29,599
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,802/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,208
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,991
−HK$795/mo
Today · 4.125%
HK$30,786
baseline
▲ 0.50% · 4.625%
HK$32,409
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,572/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,506
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,486
−HK$995/mo
Today · 4.125%
HK$33,481
baseline
▲ 0.50% · 4.625%
HK$35,519
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,962/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,050
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,990
−HK$953/mo
Today · 4.125%
HK$36,943
baseline
▲ 0.50% · 4.625%
HK$38,891
+HK$1,948/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,886/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,757
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,900
−HK$1,162/mo
Today · 4.125%
HK$39,062
baseline
▲ 0.50% · 4.625%
HK$41,438
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,124/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,891
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,988
−HK$1,113/mo
Today · 4.125%
HK$43,101
baseline
▲ 0.50% · 4.625%
HK$45,372
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,202/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,258
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,728
−HK$1,494/mo
Today · 4.125%
HK$50,222
baseline
▲ 0.50% · 4.625%
HK$53,278
+HK$3,056/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,444/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,575
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,985
−HK$1,430/mo
Today · 4.125%
HK$55,415
baseline
▲ 0.50% · 4.625%
HK$58,336
+HK$2,921/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,830/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,773 · Scale 2, in force from 26 Feb 2026)