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$26,262
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,079
−HK$830/mo
Today · 4.125%
HK$27,909
baseline
▲ 0.50% · 4.625%
HK$29,607
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,818/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,216
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,000
−HK$795/mo
Today · 4.125%
HK$30,795
baseline
▲ 0.50% · 4.625%
HK$32,418
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,590/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,514
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,495
−HK$995/mo
Today · 4.125%
HK$33,490
baseline
▲ 0.50% · 4.625%
HK$35,528
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,980/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,059
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,000
−HK$953/mo
Today · 4.125%
HK$36,953
baseline
▲ 0.50% · 4.625%
HK$38,901
+HK$1,948/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,906/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,767
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,910
−HK$1,162/mo
Today · 4.125%
HK$39,072
baseline
▲ 0.50% · 4.625%
HK$41,450
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,144/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,903
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,999
−HK$1,113/mo
Today · 4.125%
HK$43,112
baseline
▲ 0.50% · 4.625%
HK$45,385
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,224/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,271
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,742
−HK$1,494/mo
Today · 4.125%
HK$50,236
baseline
▲ 0.50% · 4.625%
HK$53,292
+HK$3,056/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,472/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,589
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,999
−HK$1,431/mo
Today · 4.125%
HK$55,430
baseline
▲ 0.50% · 4.625%
HK$58,352
+HK$2,922/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,860/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,891 · Scale 2, in force from 26 Feb 2026)