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$26,286
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,104
−HK$831/mo
Today · 4.125%
HK$27,935
baseline
▲ 0.50% · 4.625%
HK$29,634
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,870/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,243
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,027
−HK$796/mo
Today · 4.125%
HK$30,823
baseline
▲ 0.50% · 4.625%
HK$32,448
+HK$1,625/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,646/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,543
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,525
−HK$997/mo
Today · 4.125%
HK$33,522
baseline
▲ 0.50% · 4.625%
HK$35,561
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,044/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,092
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,033
−HK$955/mo
Today · 4.125%
HK$36,988
baseline
▲ 0.50% · 4.625%
HK$38,937
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,976/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,801
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,945
−HK$1,163/mo
Today · 4.125%
HK$39,108
baseline
▲ 0.50% · 4.625%
HK$41,488
+HK$2,380/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,216/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,940
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,038
−HK$1,114/mo
Today · 4.125%
HK$43,152
baseline
▲ 0.50% · 4.625%
HK$45,427
+HK$2,275/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,304/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,315
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,787
−HK$1,495/mo
Today · 4.125%
HK$50,282
baseline
▲ 0.50% · 4.625%
HK$53,342
+HK$3,060/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,564/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,638
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,049
−HK$1,433/mo
Today · 4.125%
HK$55,482
baseline
▲ 0.50% · 4.625%
HK$58,406
+HK$2,924/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,964/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,291 · Scale 2, in force from 26 Feb 2026)