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$26,135
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,947
−HK$826/mo
Today · 4.125%
HK$27,773
baseline
▲ 0.50% · 4.625%
HK$29,463
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,546/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,074
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,854
−HK$791/mo
Today · 4.125%
HK$30,645
baseline
▲ 0.50% · 4.625%
HK$32,261
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,290/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,361
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,337
−HK$991/mo
Today · 4.125%
HK$33,328
baseline
▲ 0.50% · 4.625%
HK$35,356
+HK$2,028/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$66,656/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,889
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,825
−HK$949/mo
Today · 4.125%
HK$36,774
baseline
▲ 0.50% · 4.625%
HK$38,713
+HK$1,939/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$73,548/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,588
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,726
−HK$1,157/mo
Today · 4.125%
HK$38,883
baseline
▲ 0.50% · 4.625%
HK$41,249
+HK$2,366/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,766/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,704
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,796
−HK$1,107/mo
Today · 4.125%
HK$42,903
baseline
▲ 0.50% · 4.625%
HK$45,165
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,806/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,042
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,505
−HK$1,487/mo
Today · 4.125%
HK$49,992
baseline
▲ 0.50% · 4.625%
HK$53,034
+HK$3,042/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$99,984/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,334
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,737
−HK$1,424/mo
Today · 4.125%
HK$55,161
baseline
▲ 0.50% · 4.625%
HK$58,069
+HK$2,908/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,322/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,796 · Scale 2, in force from 26 Feb 2026)