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$26,309
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,127
−HK$832/mo
Today · 4.125%
HK$27,959
baseline
▲ 0.50% · 4.625%
HK$29,660
+HK$1,701/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,918/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,268
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,053
−HK$797/mo
Today · 4.125%
HK$30,850
baseline
▲ 0.50% · 4.625%
HK$32,476
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,700/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,571
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,553
−HK$997/mo
Today · 4.125%
HK$33,550
baseline
▲ 0.50% · 4.625%
HK$35,592
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$67,100/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,122
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,064
−HK$956/mo
Today · 4.125%
HK$37,020
baseline
▲ 0.50% · 4.625%
HK$38,971
+HK$1,951/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$74,040/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,832
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,978
−HK$1,164/mo
Today · 4.125%
HK$39,142
baseline
▲ 0.50% · 4.625%
HK$41,524
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,284/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,976
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,075
−HK$1,114/mo
Today · 4.125%
HK$43,189
baseline
▲ 0.50% · 4.625%
HK$45,466
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,378/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,356
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,829
−HK$1,497/mo
Today · 4.125%
HK$50,326
baseline
▲ 0.50% · 4.625%
HK$53,388
+HK$3,062/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,652/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,683
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,096
−HK$1,433/mo
Today · 4.125%
HK$55,529
baseline
▲ 0.50% · 4.625%
HK$58,456
+HK$2,927/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,058/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,663 · Scale 2, in force from 26 Feb 2026)