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$26,119
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,931
−HK$826/mo
Today · 4.125%
HK$27,757
baseline
▲ 0.50% · 4.625%
HK$29,445
+HK$1,688/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,514/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,057
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,836
−HK$791/mo
Today · 4.125%
HK$30,627
baseline
▲ 0.50% · 4.625%
HK$32,241
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,254/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,342
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,317
−HK$991/mo
Today · 4.125%
HK$33,308
baseline
▲ 0.50% · 4.625%
HK$35,335
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,616/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,868
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,803
−HK$949/mo
Today · 4.125%
HK$36,752
baseline
▲ 0.50% · 4.625%
HK$38,689
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,504/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,566
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,704
−HK$1,155/mo
Today · 4.125%
HK$38,859
baseline
▲ 0.50% · 4.625%
HK$41,224
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,718/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,679
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,770
−HK$1,107/mo
Today · 4.125%
HK$42,877
baseline
▲ 0.50% · 4.625%
HK$45,137
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,754/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,014
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,476
−HK$1,486/mo
Today · 4.125%
HK$49,962
baseline
▲ 0.50% · 4.625%
HK$53,002
+HK$3,040/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,924/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,302
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,705
−HK$1,423/mo
Today · 4.125%
HK$55,128
baseline
▲ 0.50% · 4.625%
HK$58,034
+HK$2,906/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,256/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,536 · Scale 2, in force from 26 Feb 2026)