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$26,183
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,998
−HK$827/mo
Today · 4.125%
HK$27,825
baseline
▲ 0.50% · 4.625%
HK$29,518
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,650/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,128
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,910
−HK$792/mo
Today · 4.125%
HK$30,702
baseline
▲ 0.50% · 4.625%
HK$32,320
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,404/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,420
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,397
−HK$993/mo
Today · 4.125%
HK$33,390
baseline
▲ 0.50% · 4.625%
HK$35,422
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,780/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,954
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,892
−HK$951/mo
Today · 4.125%
HK$36,843
baseline
▲ 0.50% · 4.625%
HK$38,785
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,686/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,656
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,797
−HK$1,158/mo
Today · 4.125%
HK$38,955
baseline
▲ 0.50% · 4.625%
HK$41,325
+HK$2,370/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,910/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,780
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,873
−HK$1,110/mo
Today · 4.125%
HK$42,983
baseline
▲ 0.50% · 4.625%
HK$45,249
+HK$2,266/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,966/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,130
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,596
−HK$1,489/mo
Today · 4.125%
HK$50,085
baseline
▲ 0.50% · 4.625%
HK$53,133
+HK$3,048/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,170/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,431
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,837
−HK$1,427/mo
Today · 4.125%
HK$55,264
baseline
▲ 0.50% · 4.625%
HK$58,177
+HK$2,913/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,528/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,595 · Scale 2, in force from 26 Feb 2026)