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$26,115
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,927
−HK$826/mo
Today · 4.125%
HK$27,753
baseline
▲ 0.50% · 4.625%
HK$29,442
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,506/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,053
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,832
−HK$790/mo
Today · 4.125%
HK$30,622
baseline
▲ 0.50% · 4.625%
HK$32,237
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,244/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,338
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,313
−HK$990/mo
Today · 4.125%
HK$33,303
baseline
▲ 0.50% · 4.625%
HK$35,330
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,606/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,863
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,798
−HK$949/mo
Today · 4.125%
HK$36,747
baseline
▲ 0.50% · 4.625%
HK$38,684
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,494/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,561
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,698
−HK$1,156/mo
Today · 4.125%
HK$38,854
baseline
▲ 0.50% · 4.625%
HK$41,218
+HK$2,364/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,708/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,674
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,765
−HK$1,106/mo
Today · 4.125%
HK$42,871
baseline
▲ 0.50% · 4.625%
HK$45,131
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,742/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,007
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,469
−HK$1,486/mo
Today · 4.125%
HK$49,955
baseline
▲ 0.50% · 4.625%
HK$52,995
+HK$3,040/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,910/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,295
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,698
−HK$1,422/mo
Today · 4.125%
HK$55,120
baseline
▲ 0.50% · 4.625%
HK$58,026
+HK$2,906/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,240/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,478 · Scale 2, in force from 26 Feb 2026)