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$26,283
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,101
−HK$830/mo
Today · 4.125%
HK$27,931
baseline
▲ 0.50% · 4.625%
HK$29,631
+HK$1,700/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,862/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,240
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,024
−HK$795/mo
Today · 4.125%
HK$30,819
baseline
▲ 0.50% · 4.625%
HK$32,444
+HK$1,625/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,638/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,540
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,521
−HK$997/mo
Today · 4.125%
HK$33,518
baseline
▲ 0.50% · 4.625%
HK$35,557
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,036/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,088
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,029
−HK$954/mo
Today · 4.125%
HK$36,983
baseline
▲ 0.50% · 4.625%
HK$38,933
+HK$1,950/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,966/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,796
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,941
−HK$1,163/mo
Today · 4.125%
HK$39,104
baseline
▲ 0.50% · 4.625%
HK$41,483
+HK$2,379/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,208/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,936
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,033
−HK$1,114/mo
Today · 4.125%
HK$43,147
baseline
▲ 0.50% · 4.625%
HK$45,422
+HK$2,275/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,294/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,310
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,781
−HK$1,495/mo
Today · 4.125%
HK$50,276
baseline
▲ 0.50% · 4.625%
HK$53,336
+HK$3,060/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,552/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,631
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,043
−HK$1,432/mo
Today · 4.125%
HK$55,475
baseline
▲ 0.50% · 4.625%
HK$58,399
+HK$2,924/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,950/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,240 · Scale 2, in force from 26 Feb 2026)