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$26,181
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,995
−HK$828/mo
Today · 4.125%
HK$27,823
baseline
▲ 0.50% · 4.625%
HK$29,515
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,646/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,126
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,907
−HK$792/mo
Today · 4.125%
HK$30,699
baseline
▲ 0.50% · 4.625%
HK$32,318
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,398/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,417
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,394
−HK$993/mo
Today · 4.125%
HK$33,387
baseline
▲ 0.50% · 4.625%
HK$35,419
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,774/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,951
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,888
−HK$951/mo
Today · 4.125%
HK$36,839
baseline
▲ 0.50% · 4.625%
HK$38,781
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,678/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,653
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,793
−HK$1,159/mo
Today · 4.125%
HK$38,952
baseline
▲ 0.50% · 4.625%
HK$41,322
+HK$2,370/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,904/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,776
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,870
−HK$1,109/mo
Today · 4.125%
HK$42,979
baseline
▲ 0.50% · 4.625%
HK$45,245
+HK$2,266/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,958/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,125
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,591
−HK$1,490/mo
Today · 4.125%
HK$50,081
baseline
▲ 0.50% · 4.625%
HK$53,128
+HK$3,047/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,162/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,427
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,833
−HK$1,426/mo
Today · 4.125%
HK$55,259
baseline
▲ 0.50% · 4.625%
HK$58,172
+HK$2,913/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,518/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,557 · Scale 2, in force from 26 Feb 2026)