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$26,161
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,975
−HK$827/mo
Today · 4.125%
HK$27,802
baseline
▲ 0.50% · 4.625%
HK$29,493
+HK$1,691/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,604/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,104
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,885
−HK$791/mo
Today · 4.125%
HK$30,676
baseline
▲ 0.50% · 4.625%
HK$32,293
+HK$1,617/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,352/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,393
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,370
−HK$992/mo
Today · 4.125%
HK$33,362
baseline
▲ 0.50% · 4.625%
HK$35,392
+HK$2,030/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,724/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,925
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,861
−HK$951/mo
Today · 4.125%
HK$36,812
baseline
▲ 0.50% · 4.625%
HK$38,752
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,624/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,626
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,765
−HK$1,157/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$41,291
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,746
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,838
−HK$1,109/mo
Today · 4.125%
HK$42,947
baseline
▲ 0.50% · 4.625%
HK$45,211
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,894/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,090
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,555
−HK$1,488/mo
Today · 4.125%
HK$50,043
baseline
▲ 0.50% · 4.625%
HK$53,088
+HK$3,045/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,086/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,387
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,792
−HK$1,425/mo
Today · 4.125%
HK$55,217
baseline
▲ 0.50% · 4.625%
HK$58,128
+HK$2,911/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,434/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,233 · Scale 2, in force from 26 Feb 2026)