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$26,194
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,009
−HK$828/mo
Today · 4.125%
HK$27,837
baseline
▲ 0.50% · 4.625%
HK$29,531
+HK$1,694/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,674/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,141
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,922
−HK$793/mo
Today · 4.125%
HK$30,715
baseline
▲ 0.50% · 4.625%
HK$32,334
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,430/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,433
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,411
−HK$993/mo
Today · 4.125%
HK$33,404
baseline
▲ 0.50% · 4.625%
HK$35,437
+HK$2,033/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,808/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,969
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,907
−HK$951/mo
Today · 4.125%
HK$36,858
baseline
▲ 0.50% · 4.625%
HK$38,801
+HK$1,943/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,716/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,672
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,812
−HK$1,159/mo
Today · 4.125%
HK$38,971
baseline
▲ 0.50% · 4.625%
HK$41,343
+HK$2,372/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,942/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,797
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,891
−HK$1,110/mo
Today · 4.125%
HK$43,001
baseline
▲ 0.50% · 4.625%
HK$45,268
+HK$2,267/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,002/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,149
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,616
−HK$1,490/mo
Today · 4.125%
HK$50,106
baseline
▲ 0.50% · 4.625%
HK$53,155
+HK$3,049/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,212/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,453
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,860
−HK$1,427/mo
Today · 4.125%
HK$55,287
baseline
▲ 0.50% · 4.625%
HK$58,201
+HK$2,914/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,574/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,776 · Scale 2, in force from 26 Feb 2026)