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$26,385
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,206
−HK$833/mo
Today · 4.125%
HK$28,039
baseline
▲ 0.50% · 4.625%
HK$29,745
+HK$1,706/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,078/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,353
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,140
−HK$799/mo
Today · 4.125%
HK$30,939
baseline
▲ 0.50% · 4.625%
HK$32,569
+HK$1,630/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,878/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,662
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,647
−HK$1,000/mo
Today · 4.125%
HK$33,647
baseline
▲ 0.50% · 4.625%
HK$35,695
+HK$2,048/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,294/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,223
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,168
−HK$958/mo
Today · 4.125%
HK$37,126
baseline
▲ 0.50% · 4.625%
HK$39,083
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,252/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,939
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,088
−HK$1,167/mo
Today · 4.125%
HK$39,255
baseline
▲ 0.50% · 4.625%
HK$41,644
+HK$2,389/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,510/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,094
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,196
−HK$1,118/mo
Today · 4.125%
HK$43,314
baseline
▲ 0.50% · 4.625%
HK$45,597
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,628/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,493
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,970
−HK$1,501/mo
Today · 4.125%
HK$50,471
baseline
▲ 0.50% · 4.625%
HK$53,542
+HK$3,071/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,942/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,835
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,252
−HK$1,438/mo
Today · 4.125%
HK$55,690
baseline
▲ 0.50% · 4.625%
HK$58,625
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,380/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,912 · Scale 2, in force from 26 Feb 2026)