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$26,373
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,194
−HK$833/mo
Today · 4.125%
HK$28,027
baseline
▲ 0.50% · 4.625%
HK$29,732
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,054/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,340
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,127
−HK$798/mo
Today · 4.125%
HK$30,925
baseline
▲ 0.50% · 4.625%
HK$32,555
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,850/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,648
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,632
−HK$1,000/mo
Today · 4.125%
HK$33,632
baseline
▲ 0.50% · 4.625%
HK$35,679
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,264/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,208
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,152
−HK$958/mo
Today · 4.125%
HK$37,110
baseline
▲ 0.50% · 4.625%
HK$39,066
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,220/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,922
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,071
−HK$1,167/mo
Today · 4.125%
HK$39,238
baseline
▲ 0.50% · 4.625%
HK$41,625
+HK$2,387/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,476/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,076
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,177
−HK$1,118/mo
Today · 4.125%
HK$43,295
baseline
▲ 0.50% · 4.625%
HK$45,577
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,590/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,472
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,948
−HK$1,501/mo
Today · 4.125%
HK$50,449
baseline
▲ 0.50% · 4.625%
HK$53,518
+HK$3,069/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,898/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,812
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,228
−HK$1,437/mo
Today · 4.125%
HK$55,665
baseline
▲ 0.50% · 4.625%
HK$58,599
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,330/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,721 · Scale 2, in force from 26 Feb 2026)