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$26,246
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,062
−HK$830/mo
Today · 4.125%
HK$27,892
baseline
▲ 0.50% · 4.625%
HK$29,589
+HK$1,697/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,784/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,199
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,982
−HK$794/mo
Today · 4.125%
HK$30,776
baseline
▲ 0.50% · 4.625%
HK$32,398
+HK$1,622/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,552/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,495
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,475
−HK$995/mo
Today · 4.125%
HK$33,470
baseline
▲ 0.50% · 4.625%
HK$35,507
+HK$2,037/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$66,940/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,038
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,978
−HK$953/mo
Today · 4.125%
HK$36,931
baseline
▲ 0.50% · 4.625%
HK$38,878
+HK$1,947/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$73,862/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,745
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,887
−HK$1,162/mo
Today · 4.125%
HK$39,049
baseline
▲ 0.50% · 4.625%
HK$41,425
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,098/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,878
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,974
−HK$1,112/mo
Today · 4.125%
HK$43,086
baseline
▲ 0.50% · 4.625%
HK$45,358
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,172/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,243
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,712
−HK$1,493/mo
Today · 4.125%
HK$50,205
baseline
▲ 0.50% · 4.625%
HK$53,260
+HK$3,055/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,410/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,557
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,967
−HK$1,430/mo
Today · 4.125%
HK$55,397
baseline
▲ 0.50% · 4.625%
HK$58,317
+HK$2,920/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,794/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,631 · Scale 2, in force from 26 Feb 2026)