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$26,363
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,183
−HK$834/mo
Today · 4.125%
HK$28,017
baseline
▲ 0.50% · 4.625%
HK$29,721
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,034/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,329
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,116
−HK$798/mo
Today · 4.125%
HK$30,914
baseline
▲ 0.50% · 4.625%
HK$32,543
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,828/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,636
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,620
−HK$1,000/mo
Today · 4.125%
HK$33,620
baseline
▲ 0.50% · 4.625%
HK$35,666
+HK$2,046/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$67,240/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,195
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,139
−HK$957/mo
Today · 4.125%
HK$37,096
baseline
▲ 0.50% · 4.625%
HK$39,052
+HK$1,956/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$74,192/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,909
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,057
−HK$1,166/mo
Today · 4.125%
HK$39,223
baseline
▲ 0.50% · 4.625%
HK$41,610
+HK$2,387/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,446/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,061
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,162
−HK$1,117/mo
Today · 4.125%
HK$43,279
baseline
▲ 0.50% · 4.625%
HK$45,560
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,558/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,454
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,930
−HK$1,500/mo
Today · 4.125%
HK$50,430
baseline
▲ 0.50% · 4.625%
HK$53,498
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,860/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,792
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,208
−HK$1,436/mo
Today · 4.125%
HK$55,644
baseline
▲ 0.50% · 4.625%
HK$58,577
+HK$2,933/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,288/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,560 · Scale 2, in force from 26 Feb 2026)