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$26,358
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,178
−HK$833/mo
Today · 4.125%
HK$28,011
baseline
▲ 0.50% · 4.625%
HK$29,716
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,022/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,323
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,110
−HK$798/mo
Today · 4.125%
HK$30,908
baseline
▲ 0.50% · 4.625%
HK$32,537
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,816/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,630
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,614
−HK$999/mo
Today · 4.125%
HK$33,613
baseline
▲ 0.50% · 4.625%
HK$35,659
+HK$2,046/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$67,226/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,188
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,132
−HK$957/mo
Today · 4.125%
HK$37,089
baseline
▲ 0.50% · 4.625%
HK$39,044
+HK$1,955/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$74,178/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,902
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,049
−HK$1,167/mo
Today · 4.125%
HK$39,216
baseline
▲ 0.50% · 4.625%
HK$41,602
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,432/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,053
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,154
−HK$1,117/mo
Today · 4.125%
HK$43,271
baseline
▲ 0.50% · 4.625%
HK$45,551
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,542/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,445
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,921
−HK$1,499/mo
Today · 4.125%
HK$50,420
baseline
▲ 0.50% · 4.625%
HK$53,488
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,840/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,782
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,198
−HK$1,436/mo
Today · 4.125%
HK$55,634
baseline
▲ 0.50% · 4.625%
HK$58,566
+HK$2,932/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,268/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,477 · Scale 2, in force from 26 Feb 2026)