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$26,249
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,066
−HK$829/mo
Today · 4.125%
HK$27,895
baseline
▲ 0.50% · 4.625%
HK$29,592
+HK$1,697/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,790/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,202
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,985
−HK$794/mo
Today · 4.125%
HK$30,779
baseline
▲ 0.50% · 4.625%
HK$32,402
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,558/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,499
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,479
−HK$995/mo
Today · 4.125%
HK$33,474
baseline
▲ 0.50% · 4.625%
HK$35,511
+HK$2,037/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$66,948/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,042
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,982
−HK$953/mo
Today · 4.125%
HK$36,935
baseline
▲ 0.50% · 4.625%
HK$38,882
+HK$1,947/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$73,870/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,749
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,892
−HK$1,161/mo
Today · 4.125%
HK$39,053
baseline
▲ 0.50% · 4.625%
HK$41,429
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,106/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,882
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,979
−HK$1,112/mo
Today · 4.125%
HK$43,091
baseline
▲ 0.50% · 4.625%
HK$45,363
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,182/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,248
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,718
−HK$1,493/mo
Today · 4.125%
HK$50,211
baseline
▲ 0.50% · 4.625%
HK$53,266
+HK$3,055/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,422/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,563
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,973
−HK$1,430/mo
Today · 4.125%
HK$55,403
baseline
▲ 0.50% · 4.625%
HK$58,323
+HK$2,920/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,806/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,679 · Scale 2, in force from 26 Feb 2026)