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$26,251
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,067
−HK$830/mo
Today · 4.125%
HK$27,897
baseline
▲ 0.50% · 4.625%
HK$29,595
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,794/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,204
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,987
−HK$795/mo
Today · 4.125%
HK$30,782
baseline
▲ 0.50% · 4.625%
HK$32,404
+HK$1,622/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,564/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,501
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,481
−HK$995/mo
Today · 4.125%
HK$33,476
baseline
▲ 0.50% · 4.625%
HK$35,513
+HK$2,037/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$66,952/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,045
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,984
−HK$954/mo
Today · 4.125%
HK$36,938
baseline
▲ 0.50% · 4.625%
HK$38,885
+HK$1,947/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$73,876/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,751
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,894
−HK$1,162/mo
Today · 4.125%
HK$39,056
baseline
▲ 0.50% · 4.625%
HK$41,432
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,112/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,885
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,982
−HK$1,112/mo
Today · 4.125%
HK$43,094
baseline
▲ 0.50% · 4.625%
HK$45,366
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,188/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,252
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,721
−HK$1,494/mo
Today · 4.125%
HK$50,215
baseline
▲ 0.50% · 4.625%
HK$53,270
+HK$3,055/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,430/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,567
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,977
−HK$1,430/mo
Today · 4.125%
HK$55,407
baseline
▲ 0.50% · 4.625%
HK$58,328
+HK$2,921/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,814/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,710 · Scale 2, in force from 26 Feb 2026)