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$26,280
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,098
−HK$830/mo
Today · 4.125%
HK$27,928
baseline
▲ 0.50% · 4.625%
HK$29,628
+HK$1,700/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,856/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,237
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,021
−HK$795/mo
Today · 4.125%
HK$30,816
baseline
▲ 0.50% · 4.625%
HK$32,441
+HK$1,625/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,632/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,536
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,517
−HK$997/mo
Today · 4.125%
HK$33,514
baseline
▲ 0.50% · 4.625%
HK$35,553
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,028/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,084
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,025
−HK$955/mo
Today · 4.125%
HK$36,980
baseline
▲ 0.50% · 4.625%
HK$38,929
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,960/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,793
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,937
−HK$1,163/mo
Today · 4.125%
HK$39,100
baseline
▲ 0.50% · 4.625%
HK$41,479
+HK$2,379/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,200/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,931
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,029
−HK$1,114/mo
Today · 4.125%
HK$43,143
baseline
▲ 0.50% · 4.625%
HK$45,417
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,286/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,305
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,776
−HK$1,495/mo
Today · 4.125%
HK$50,271
baseline
▲ 0.50% · 4.625%
HK$53,330
+HK$3,059/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,542/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,626
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,037
−HK$1,432/mo
Today · 4.125%
HK$55,469
baseline
▲ 0.50% · 4.625%
HK$58,393
+HK$2,924/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,938/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,195 · Scale 2, in force from 26 Feb 2026)