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$26,332
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,151
−HK$832/mo
Today · 4.125%
HK$27,983
baseline
▲ 0.50% · 4.625%
HK$29,686
+HK$1,703/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,966/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,294
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,080
−HK$797/mo
Today · 4.125%
HK$30,877
baseline
▲ 0.50% · 4.625%
HK$32,504
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,754/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,598
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,581
−HK$999/mo
Today · 4.125%
HK$33,580
baseline
▲ 0.50% · 4.625%
HK$35,623
+HK$2,043/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,160/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,153
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,096
−HK$956/mo
Today · 4.125%
HK$37,052
baseline
▲ 0.50% · 4.625%
HK$39,005
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,104/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,865
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,012
−HK$1,165/mo
Today · 4.125%
HK$39,177
baseline
▲ 0.50% · 4.625%
HK$41,560
+HK$2,383/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,354/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,012
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,112
−HK$1,115/mo
Today · 4.125%
HK$43,227
baseline
▲ 0.50% · 4.625%
HK$45,506
+HK$2,279/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,454/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,398
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,872
−HK$1,498/mo
Today · 4.125%
HK$50,370
baseline
▲ 0.50% · 4.625%
HK$53,435
+HK$3,065/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,740/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,729
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,144
−HK$1,434/mo
Today · 4.125%
HK$55,578
baseline
▲ 0.50% · 4.625%
HK$58,508
+HK$2,930/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,156/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,044 · Scale 2, in force from 26 Feb 2026)