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$26,268
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,085
−HK$831/mo
Today · 4.125%
HK$27,916
baseline
▲ 0.50% · 4.625%
HK$29,614
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,832/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,223
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,007
−HK$795/mo
Today · 4.125%
HK$30,802
baseline
▲ 0.50% · 4.625%
HK$32,426
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,604/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,522
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,503
−HK$996/mo
Today · 4.125%
HK$33,499
baseline
▲ 0.50% · 4.625%
HK$35,537
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,998/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,068
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,008
−HK$955/mo
Today · 4.125%
HK$36,963
baseline
▲ 0.50% · 4.625%
HK$38,911
+HK$1,948/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,926/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,776
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,920
−HK$1,162/mo
Today · 4.125%
HK$39,082
baseline
▲ 0.50% · 4.625%
HK$41,460
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,164/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,913
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,010
−HK$1,113/mo
Today · 4.125%
HK$43,123
baseline
▲ 0.50% · 4.625%
HK$45,396
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,246/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,283
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,754
−HK$1,494/mo
Today · 4.125%
HK$50,248
baseline
▲ 0.50% · 4.625%
HK$53,306
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,496/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,602
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,013
−HK$1,431/mo
Today · 4.125%
HK$55,444
baseline
▲ 0.50% · 4.625%
HK$58,366
+HK$2,922/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,888/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,997 · Scale 2, in force from 26 Feb 2026)