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$26,171
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,985
−HK$827/mo
Today · 4.125%
HK$27,812
baseline
▲ 0.50% · 4.625%
HK$29,505
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,624/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,115
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,896
−HK$792/mo
Today · 4.125%
HK$30,688
baseline
▲ 0.50% · 4.625%
HK$32,306
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,376/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,405
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,382
−HK$993/mo
Today · 4.125%
HK$33,375
baseline
▲ 0.50% · 4.625%
HK$35,405
+HK$2,030/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,750/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,938
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,875
−HK$951/mo
Today · 4.125%
HK$36,826
baseline
▲ 0.50% · 4.625%
HK$38,767
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,652/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,639
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,779
−HK$1,158/mo
Today · 4.125%
HK$38,937
baseline
▲ 0.50% · 4.625%
HK$41,306
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,874/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,761
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,854
−HK$1,109/mo
Today · 4.125%
HK$42,963
baseline
▲ 0.50% · 4.625%
HK$45,228
+HK$2,265/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,926/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,108
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,573
−HK$1,489/mo
Today · 4.125%
HK$50,062
baseline
▲ 0.50% · 4.625%
HK$53,108
+HK$3,046/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,124/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,407
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,813
−HK$1,425/mo
Today · 4.125%
HK$55,238
baseline
▲ 0.50% · 4.625%
HK$58,150
+HK$2,912/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,476/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,397 · Scale 2, in force from 26 Feb 2026)