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$26,150
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,964
−HK$826/mo
Today · 4.125%
HK$27,790
baseline
▲ 0.50% · 4.625%
HK$29,481
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,580/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,092
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,872
−HK$792/mo
Today · 4.125%
HK$30,664
baseline
▲ 0.50% · 4.625%
HK$32,280
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,328/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,380
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,357
−HK$991/mo
Today · 4.125%
HK$33,348
baseline
▲ 0.50% · 4.625%
HK$35,377
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,696/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,910
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,847
−HK$950/mo
Today · 4.125%
HK$36,797
baseline
▲ 0.50% · 4.625%
HK$38,736
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,594/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,611
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,749
−HK$1,157/mo
Today · 4.125%
HK$38,906
baseline
▲ 0.50% · 4.625%
HK$41,274
+HK$2,368/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,812/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,729
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,821
−HK$1,108/mo
Today · 4.125%
HK$42,929
baseline
▲ 0.50% · 4.625%
HK$45,192
+HK$2,263/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,858/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,071
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,535
−HK$1,487/mo
Today · 4.125%
HK$50,022
baseline
▲ 0.50% · 4.625%
HK$53,066
+HK$3,044/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,044/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,366
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,770
−HK$1,425/mo
Today · 4.125%
HK$55,195
baseline
▲ 0.50% · 4.625%
HK$58,104
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,390/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,057 · Scale 2, in force from 26 Feb 2026)