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$26,250
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,067
−HK$829/mo
Today · 4.125%
HK$27,896
baseline
▲ 0.50% · 4.625%
HK$29,594
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,792/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,203
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,986
−HK$795/mo
Today · 4.125%
HK$30,781
baseline
▲ 0.50% · 4.625%
HK$32,403
+HK$1,622/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,562/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,500
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,480
−HK$995/mo
Today · 4.125%
HK$33,475
baseline
▲ 0.50% · 4.625%
HK$35,512
+HK$2,037/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$66,950/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,044
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,983
−HK$954/mo
Today · 4.125%
HK$36,937
baseline
▲ 0.50% · 4.625%
HK$38,884
+HK$1,947/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$73,874/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,750
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,893
−HK$1,162/mo
Today · 4.125%
HK$39,055
baseline
▲ 0.50% · 4.625%
HK$41,431
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,110/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,884
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,981
−HK$1,112/mo
Today · 4.125%
HK$43,093
baseline
▲ 0.50% · 4.625%
HK$45,364
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,186/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,250
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,720
−HK$1,493/mo
Today · 4.125%
HK$50,213
baseline
▲ 0.50% · 4.625%
HK$53,269
+HK$3,056/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,426/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,565
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,975
−HK$1,430/mo
Today · 4.125%
HK$55,405
baseline
▲ 0.50% · 4.625%
HK$58,326
+HK$2,921/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,810/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,697 · Scale 2, in force from 26 Feb 2026)