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$26,353
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,172
−HK$833/mo
Today · 4.125%
HK$28,005
baseline
▲ 0.50% · 4.625%
HK$29,709
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,010/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,317
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,103
−HK$798/mo
Today · 4.125%
HK$30,901
baseline
▲ 0.50% · 4.625%
HK$32,530
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,802/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,623
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,607
−HK$999/mo
Today · 4.125%
HK$33,606
baseline
▲ 0.50% · 4.625%
HK$35,651
+HK$2,045/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,212/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,180
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,124
−HK$957/mo
Today · 4.125%
HK$37,081
baseline
▲ 0.50% · 4.625%
HK$39,036
+HK$1,955/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,162/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,894
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,041
−HK$1,166/mo
Today · 4.125%
HK$39,207
baseline
▲ 0.50% · 4.625%
HK$41,593
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,414/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,044
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,145
−HK$1,116/mo
Today · 4.125%
HK$43,261
baseline
▲ 0.50% · 4.625%
HK$45,542
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,522/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,435
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,910
−HK$1,499/mo
Today · 4.125%
HK$50,409
baseline
▲ 0.50% · 4.625%
HK$53,476
+HK$3,067/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,818/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,771
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,186
−HK$1,436/mo
Today · 4.125%
HK$55,622
baseline
▲ 0.50% · 4.625%
HK$58,553
+HK$2,931/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,244/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,382 · Scale 2, in force from 26 Feb 2026)