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$26,146
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,960
−HK$826/mo
Today · 4.125%
HK$27,786
baseline
▲ 0.50% · 4.625%
HK$29,477
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,572/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,088
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,868
−HK$791/mo
Today · 4.125%
HK$30,659
baseline
▲ 0.50% · 4.625%
HK$32,275
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,318/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,376
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,352
−HK$991/mo
Today · 4.125%
HK$33,343
baseline
▲ 0.50% · 4.625%
HK$35,372
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,686/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,905
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,841
−HK$950/mo
Today · 4.125%
HK$36,791
baseline
▲ 0.50% · 4.625%
HK$38,730
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,582/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,605
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,743
−HK$1,157/mo
Today · 4.125%
HK$38,900
baseline
▲ 0.50% · 4.625%
HK$41,267
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,800/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,723
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,815
−HK$1,108/mo
Today · 4.125%
HK$42,923
baseline
▲ 0.50% · 4.625%
HK$45,185
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,846/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,063
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,527
−HK$1,488/mo
Today · 4.125%
HK$50,015
baseline
▲ 0.50% · 4.625%
HK$53,058
+HK$3,043/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,030/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,358
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,762
−HK$1,424/mo
Today · 4.125%
HK$55,186
baseline
▲ 0.50% · 4.625%
HK$58,095
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,372/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,990 · Scale 2, in force from 26 Feb 2026)