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$26,195
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,010
−HK$828/mo
Today · 4.125%
HK$27,838
baseline
▲ 0.50% · 4.625%
HK$29,532
+HK$1,694/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,676/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,142
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,923
−HK$793/mo
Today · 4.125%
HK$30,716
baseline
▲ 0.50% · 4.625%
HK$32,335
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,432/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,434
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,412
−HK$993/mo
Today · 4.125%
HK$33,405
baseline
▲ 0.50% · 4.625%
HK$35,438
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$66,810/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,970
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,908
−HK$952/mo
Today · 4.125%
HK$36,860
baseline
▲ 0.50% · 4.625%
HK$38,803
+HK$1,943/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$73,720/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,673
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,814
−HK$1,159/mo
Today · 4.125%
HK$38,973
baseline
▲ 0.50% · 4.625%
HK$41,344
+HK$2,371/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,946/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,799
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,893
−HK$1,110/mo
Today · 4.125%
HK$43,003
baseline
▲ 0.50% · 4.625%
HK$45,270
+HK$2,267/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,006/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,151
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,618
−HK$1,490/mo
Today · 4.125%
HK$50,108
baseline
▲ 0.50% · 4.625%
HK$53,157
+HK$3,049/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,216/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,455
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,862
−HK$1,427/mo
Today · 4.125%
HK$55,289
baseline
▲ 0.50% · 4.625%
HK$58,204
+HK$2,915/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,578/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,794 · Scale 2, in force from 26 Feb 2026)