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$26,252
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,069
−HK$829/mo
Today · 4.125%
HK$27,898
baseline
▲ 0.50% · 4.625%
HK$29,596
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,796/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,205
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,988
−HK$795/mo
Today · 4.125%
HK$30,783
baseline
▲ 0.50% · 4.625%
HK$32,406
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,566/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,502
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,482
−HK$996/mo
Today · 4.125%
HK$33,478
baseline
▲ 0.50% · 4.625%
HK$35,515
+HK$2,037/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,956/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,046
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,986
−HK$954/mo
Today · 4.125%
HK$36,940
baseline
▲ 0.50% · 4.625%
HK$38,887
+HK$1,947/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,880/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,753
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,896
−HK$1,162/mo
Today · 4.125%
HK$39,058
baseline
▲ 0.50% · 4.625%
HK$41,434
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,116/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,887
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,984
−HK$1,112/mo
Today · 4.125%
HK$43,096
baseline
▲ 0.50% · 4.625%
HK$45,368
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,192/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,254
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,723
−HK$1,494/mo
Today · 4.125%
HK$50,217
baseline
▲ 0.50% · 4.625%
HK$53,272
+HK$3,055/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,434/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,569
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,979
−HK$1,430/mo
Today · 4.125%
HK$55,409
baseline
▲ 0.50% · 4.625%
HK$58,330
+HK$2,921/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,818/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,728 · Scale 2, in force from 26 Feb 2026)