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$26,162
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,976
−HK$827/mo
Today · 4.125%
HK$27,803
baseline
▲ 0.50% · 4.625%
HK$29,495
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,606/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,105
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,886
−HK$792/mo
Today · 4.125%
HK$30,678
baseline
▲ 0.50% · 4.625%
HK$32,295
+HK$1,617/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,356/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,395
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,371
−HK$992/mo
Today · 4.125%
HK$33,363
baseline
▲ 0.50% · 4.625%
HK$35,394
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,726/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,926
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,863
−HK$950/mo
Today · 4.125%
HK$36,813
baseline
▲ 0.50% · 4.625%
HK$38,754
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,626/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,627
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,766
−HK$1,158/mo
Today · 4.125%
HK$38,924
baseline
▲ 0.50% · 4.625%
HK$41,292
+HK$2,368/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,848/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,747
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,840
−HK$1,109/mo
Today · 4.125%
HK$42,949
baseline
▲ 0.50% · 4.625%
HK$45,213
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,898/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,092
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,557
−HK$1,488/mo
Today · 4.125%
HK$50,045
baseline
▲ 0.50% · 4.625%
HK$53,090
+HK$3,045/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,090/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,389
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,795
−HK$1,425/mo
Today · 4.125%
HK$55,220
baseline
▲ 0.50% · 4.625%
HK$58,131
+HK$2,911/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,440/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,253 · Scale 2, in force from 26 Feb 2026)