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$26,145
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,958
−HK$826/mo
Today · 4.125%
HK$27,784
baseline
▲ 0.50% · 4.625%
HK$29,475
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,568/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,086
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,866
−HK$791/mo
Today · 4.125%
HK$30,657
baseline
▲ 0.50% · 4.625%
HK$32,273
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,314/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,373
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,349
−HK$992/mo
Today · 4.125%
HK$33,341
baseline
▲ 0.50% · 4.625%
HK$35,370
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,682/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,903
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,839
−HK$949/mo
Today · 4.125%
HK$36,788
baseline
▲ 0.50% · 4.625%
HK$38,727
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,576/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,602
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,741
−HK$1,157/mo
Today · 4.125%
HK$38,898
baseline
▲ 0.50% · 4.625%
HK$41,264
+HK$2,366/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,796/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,720
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,812
−HK$1,108/mo
Today · 4.125%
HK$42,920
baseline
▲ 0.50% · 4.625%
HK$45,182
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,840/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,060
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,524
−HK$1,487/mo
Today · 4.125%
HK$50,011
baseline
▲ 0.50% · 4.625%
HK$53,054
+HK$3,043/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,022/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,354
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,758
−HK$1,424/mo
Today · 4.125%
HK$55,182
baseline
▲ 0.50% · 4.625%
HK$58,091
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,364/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,961 · Scale 2, in force from 26 Feb 2026)