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$26,198
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,013
−HK$828/mo
Today · 4.125%
HK$27,841
baseline
▲ 0.50% · 4.625%
HK$29,535
+HK$1,694/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,682/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,145
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,927
−HK$793/mo
Today · 4.125%
HK$30,720
baseline
▲ 0.50% · 4.625%
HK$32,339
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,440/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,438
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,416
−HK$993/mo
Today · 4.125%
HK$33,409
baseline
▲ 0.50% · 4.625%
HK$35,442
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$66,818/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,974
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,912
−HK$952/mo
Today · 4.125%
HK$36,864
baseline
▲ 0.50% · 4.625%
HK$38,807
+HK$1,943/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$73,728/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,678
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,818
−HK$1,160/mo
Today · 4.125%
HK$38,978
baseline
▲ 0.50% · 4.625%
HK$41,349
+HK$2,371/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,956/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,803
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,898
−HK$1,110/mo
Today · 4.125%
HK$43,008
baseline
▲ 0.50% · 4.625%
HK$45,275
+HK$2,267/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,016/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,157
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,624
−HK$1,490/mo
Today · 4.125%
HK$50,114
baseline
▲ 0.50% · 4.625%
HK$53,163
+HK$3,049/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,228/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,462
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,869
−HK$1,427/mo
Today · 4.125%
HK$55,296
baseline
▲ 0.50% · 4.625%
HK$58,211
+HK$2,915/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,592/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,844 · Scale 2, in force from 26 Feb 2026)