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$26,141
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,954
−HK$826/mo
Today · 4.125%
HK$27,780
baseline
▲ 0.50% · 4.625%
HK$29,470
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,560/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,081
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,861
−HK$792/mo
Today · 4.125%
HK$30,653
baseline
▲ 0.50% · 4.625%
HK$32,268
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,306/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,369
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,345
−HK$991/mo
Today · 4.125%
HK$33,336
baseline
▲ 0.50% · 4.625%
HK$35,364
+HK$2,028/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,672/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,898
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,834
−HK$949/mo
Today · 4.125%
HK$36,783
baseline
▲ 0.50% · 4.625%
HK$38,722
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,566/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,597
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,735
−HK$1,157/mo
Today · 4.125%
HK$38,892
baseline
▲ 0.50% · 4.625%
HK$41,259
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,784/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,714
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,806
−HK$1,108/mo
Today · 4.125%
HK$42,914
baseline
▲ 0.50% · 4.625%
HK$45,176
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,828/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,053
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,517
−HK$1,487/mo
Today · 4.125%
HK$50,004
baseline
▲ 0.50% · 4.625%
HK$53,047
+HK$3,043/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,008/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,346
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,750
−HK$1,425/mo
Today · 4.125%
HK$55,175
baseline
▲ 0.50% · 4.625%
HK$58,083
+HK$2,908/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,350/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,899 · Scale 2, in force from 26 Feb 2026)