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$26,138
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,951
−HK$826/mo
Today · 4.125%
HK$27,777
baseline
▲ 0.50% · 4.625%
HK$29,468
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,554/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,079
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,859
−HK$791/mo
Today · 4.125%
HK$30,650
baseline
▲ 0.50% · 4.625%
HK$32,265
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,300/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,366
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,342
−HK$991/mo
Today · 4.125%
HK$33,333
baseline
▲ 0.50% · 4.625%
HK$35,361
+HK$2,028/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,666/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,894
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,830
−HK$950/mo
Today · 4.125%
HK$36,780
baseline
▲ 0.50% · 4.625%
HK$38,718
+HK$1,938/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,560/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,594
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,732
−HK$1,156/mo
Today · 4.125%
HK$38,888
baseline
▲ 0.50% · 4.625%
HK$41,255
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,776/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,710
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,802
−HK$1,108/mo
Today · 4.125%
HK$42,910
baseline
▲ 0.50% · 4.625%
HK$45,171
+HK$2,261/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,820/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,049
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,513
−HK$1,486/mo
Today · 4.125%
HK$49,999
baseline
▲ 0.50% · 4.625%
HK$53,042
+HK$3,043/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$99,998/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,342
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,745
−HK$1,424/mo
Today · 4.125%
HK$55,169
baseline
▲ 0.50% · 4.625%
HK$58,077
+HK$2,908/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,338/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,859 · Scale 2, in force from 26 Feb 2026)