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$26,294
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,112
−HK$831/mo
Today · 4.125%
HK$27,943
baseline
▲ 0.50% · 4.625%
HK$29,643
+HK$1,700/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,886/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,252
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,036
−HK$796/mo
Today · 4.125%
HK$30,832
baseline
▲ 0.50% · 4.625%
HK$32,457
+HK$1,625/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,664/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,552
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,534
−HK$997/mo
Today · 4.125%
HK$33,531
baseline
▲ 0.50% · 4.625%
HK$35,571
+HK$2,040/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,062/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,102
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,043
−HK$955/mo
Today · 4.125%
HK$36,998
baseline
▲ 0.50% · 4.625%
HK$38,948
+HK$1,950/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,996/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,811
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,956
−HK$1,164/mo
Today · 4.125%
HK$39,120
baseline
▲ 0.50% · 4.625%
HK$41,500
+HK$2,380/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,240/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,952
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,050
−HK$1,115/mo
Today · 4.125%
HK$43,165
baseline
▲ 0.50% · 4.625%
HK$45,440
+HK$2,275/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,330/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,329
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,801
−HK$1,496/mo
Today · 4.125%
HK$50,297
baseline
▲ 0.50% · 4.625%
HK$53,357
+HK$3,060/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,594/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,653
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,065
−HK$1,432/mo
Today · 4.125%
HK$55,497
baseline
▲ 0.50% · 4.625%
HK$58,423
+HK$2,926/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$110,994/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,414 · Scale 2, in force from 26 Feb 2026)