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$26,178
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,992
−HK$827/mo
Today · 4.125%
HK$27,819
baseline
▲ 0.50% · 4.625%
HK$29,512
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,638/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,123
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$792/mo
Today · 4.125%
HK$30,696
baseline
▲ 0.50% · 4.625%
HK$32,314
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,392/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,413
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,391
−HK$992/mo
Today · 4.125%
HK$33,383
baseline
▲ 0.50% · 4.625%
HK$35,415
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,766/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,947
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,884
−HK$951/mo
Today · 4.125%
HK$36,835
baseline
▲ 0.50% · 4.625%
HK$38,777
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,670/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,649
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,789
−HK$1,158/mo
Today · 4.125%
HK$38,947
baseline
▲ 0.50% · 4.625%
HK$41,317
+HK$2,370/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,894/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,772
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,865
−HK$1,109/mo
Today · 4.125%
HK$42,974
baseline
▲ 0.50% · 4.625%
HK$45,240
+HK$2,266/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,948/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,120
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,586
−HK$1,489/mo
Today · 4.125%
HK$50,075
baseline
▲ 0.50% · 4.625%
HK$53,122
+HK$3,047/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,150/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,421
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,827
−HK$1,426/mo
Today · 4.125%
HK$55,253
baseline
▲ 0.50% · 4.625%
HK$58,165
+HK$2,912/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,506/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,510 · Scale 2, in force from 26 Feb 2026)