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$26,371
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,192
−HK$833/mo
Today · 4.125%
HK$28,025
baseline
▲ 0.50% · 4.625%
HK$29,730
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,050/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,338
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,125
−HK$798/mo
Today · 4.125%
HK$30,923
baseline
▲ 0.50% · 4.625%
HK$32,553
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,846/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,645
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,630
−HK$1,000/mo
Today · 4.125%
HK$33,630
baseline
▲ 0.50% · 4.625%
HK$35,676
+HK$2,046/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,260/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,205
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,149
−HK$958/mo
Today · 4.125%
HK$37,107
baseline
▲ 0.50% · 4.625%
HK$39,063
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,214/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,920
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,068
−HK$1,167/mo
Today · 4.125%
HK$39,235
baseline
▲ 0.50% · 4.625%
HK$41,622
+HK$2,387/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,470/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,073
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,174
−HK$1,118/mo
Today · 4.125%
HK$43,292
baseline
▲ 0.50% · 4.625%
HK$45,574
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,584/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,468
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,945
−HK$1,500/mo
Today · 4.125%
HK$50,445
baseline
▲ 0.50% · 4.625%
HK$53,514
+HK$3,069/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,890/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,808
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,224
−HK$1,437/mo
Today · 4.125%
HK$55,661
baseline
▲ 0.50% · 4.625%
HK$58,595
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,322/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,689 · Scale 2, in force from 26 Feb 2026)