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$26,146
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$827/mo
Today · 4.125%
HK$27,786
baseline
▲ 0.50% · 4.625%
HK$29,476
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,572/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,087
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,867
−HK$792/mo
Today · 4.125%
HK$30,659
baseline
▲ 0.50% · 4.625%
HK$32,275
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,318/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,375
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,351
−HK$992/mo
Today · 4.125%
HK$33,343
baseline
▲ 0.50% · 4.625%
HK$35,372
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,686/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,905
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,841
−HK$949/mo
Today · 4.125%
HK$36,790
baseline
▲ 0.50% · 4.625%
HK$38,730
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,580/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,604
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,743
−HK$1,157/mo
Today · 4.125%
HK$38,900
baseline
▲ 0.50% · 4.625%
HK$41,267
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,800/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,722
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,814
−HK$1,108/mo
Today · 4.125%
HK$42,922
baseline
▲ 0.50% · 4.625%
HK$45,185
+HK$2,263/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,844/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,063
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,527
−HK$1,487/mo
Today · 4.125%
HK$50,014
baseline
▲ 0.50% · 4.625%
HK$53,057
+HK$3,043/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,028/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,357
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,761
−HK$1,425/mo
Today · 4.125%
HK$55,186
baseline
▲ 0.50% · 4.625%
HK$58,094
+HK$2,908/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,372/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,985 · Scale 2, in force from 26 Feb 2026)