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$26,110
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,922
−HK$825/mo
Today · 4.125%
HK$27,747
baseline
▲ 0.50% · 4.625%
HK$29,435
+HK$1,688/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,494/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,047
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,826
−HK$790/mo
Today · 4.125%
HK$30,616
baseline
▲ 0.50% · 4.625%
HK$32,230
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,232/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,331
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,306
−HK$990/mo
Today · 4.125%
HK$33,296
baseline
▲ 0.50% · 4.625%
HK$35,322
+HK$2,026/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,592/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,856
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,791
−HK$948/mo
Today · 4.125%
HK$36,739
baseline
▲ 0.50% · 4.625%
HK$38,676
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,478/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,553
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,690
−HK$1,156/mo
Today · 4.125%
HK$38,846
baseline
▲ 0.50% · 4.625%
HK$41,209
+HK$2,363/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,692/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,665
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,756
−HK$1,106/mo
Today · 4.125%
HK$42,862
baseline
▲ 0.50% · 4.625%
HK$45,122
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,724/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,997
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,459
−HK$1,485/mo
Today · 4.125%
HK$49,944
baseline
▲ 0.50% · 4.625%
HK$52,983
+HK$3,039/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,888/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,284
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,686
−HK$1,423/mo
Today · 4.125%
HK$55,109
baseline
▲ 0.50% · 4.625%
HK$58,014
+HK$2,905/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,218/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,386 · Scale 2, in force from 26 Feb 2026)