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$26,169
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,983
−HK$827/mo
Today · 4.125%
HK$27,810
baseline
▲ 0.50% · 4.625%
HK$29,502
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,620/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,113
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,893
−HK$793/mo
Today · 4.125%
HK$30,686
baseline
▲ 0.50% · 4.625%
HK$32,303
+HK$1,617/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,372/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,403
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,380
−HK$992/mo
Today · 4.125%
HK$33,372
baseline
▲ 0.50% · 4.625%
HK$35,403
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,744/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,935
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,872
−HK$951/mo
Today · 4.125%
HK$36,823
baseline
▲ 0.50% · 4.625%
HK$38,764
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,646/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,636
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,776
−HK$1,158/mo
Today · 4.125%
HK$38,934
baseline
▲ 0.50% · 4.625%
HK$41,303
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,868/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,758
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,851
−HK$1,109/mo
Today · 4.125%
HK$42,960
baseline
▲ 0.50% · 4.625%
HK$45,224
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,920/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,104
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,569
−HK$1,489/mo
Today · 4.125%
HK$50,058
baseline
▲ 0.50% · 4.625%
HK$53,104
+HK$3,046/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,116/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,403
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,808
−HK$1,426/mo
Today · 4.125%
HK$55,234
baseline
▲ 0.50% · 4.625%
HK$58,145
+HK$2,911/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,468/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,362 · Scale 2, in force from 26 Feb 2026)