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$26,329
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$832/mo
Today · 4.125%
HK$27,980
baseline
▲ 0.50% · 4.625%
HK$29,682
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,960/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,291
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,076
−HK$797/mo
Today · 4.125%
HK$30,873
baseline
▲ 0.50% · 4.625%
HK$32,500
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,746/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,595
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,577
−HK$999/mo
Today · 4.125%
HK$33,576
baseline
▲ 0.50% · 4.625%
HK$35,619
+HK$2,043/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,152/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,149
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,091
−HK$957/mo
Today · 4.125%
HK$37,048
baseline
▲ 0.50% · 4.625%
HK$39,001
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,096/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,860
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,007
−HK$1,165/mo
Today · 4.125%
HK$39,172
baseline
▲ 0.50% · 4.625%
HK$41,555
+HK$2,383/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,344/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,007
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,107
−HK$1,115/mo
Today · 4.125%
HK$43,222
baseline
▲ 0.50% · 4.625%
HK$45,501
+HK$2,279/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,444/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,392
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,866
−HK$1,498/mo
Today · 4.125%
HK$50,364
baseline
▲ 0.50% · 4.625%
HK$53,428
+HK$3,064/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,728/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,723
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,137
−HK$1,435/mo
Today · 4.125%
HK$55,572
baseline
▲ 0.50% · 4.625%
HK$58,501
+HK$2,929/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,144/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,992 · Scale 2, in force from 26 Feb 2026)