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$26,133
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,946
−HK$826/mo
Today · 4.125%
HK$27,772
baseline
▲ 0.50% · 4.625%
HK$29,462
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,544/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,073
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,852
−HK$791/mo
Today · 4.125%
HK$30,643
baseline
▲ 0.50% · 4.625%
HK$32,259
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,286/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,360
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,335
−HK$991/mo
Today · 4.125%
HK$33,326
baseline
▲ 0.50% · 4.625%
HK$35,354
+HK$2,028/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$66,652/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,887
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,823
−HK$949/mo
Today · 4.125%
HK$36,772
baseline
▲ 0.50% · 4.625%
HK$38,710
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$73,544/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,586
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,724
−HK$1,156/mo
Today · 4.125%
HK$38,880
baseline
▲ 0.50% · 4.625%
HK$41,246
+HK$2,366/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,760/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,702
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,793
−HK$1,108/mo
Today · 4.125%
HK$42,901
baseline
▲ 0.50% · 4.625%
HK$45,162
+HK$2,261/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,802/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,039
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,502
−HK$1,487/mo
Today · 4.125%
HK$49,989
baseline
▲ 0.50% · 4.625%
HK$53,031
+HK$3,042/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,978/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,331
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,734
−HK$1,424/mo
Today · 4.125%
HK$55,158
baseline
▲ 0.50% · 4.625%
HK$58,065
+HK$2,907/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,316/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,770 · Scale 2, in force from 26 Feb 2026)