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$26,116
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,928
−HK$826/mo
Today · 4.125%
HK$27,754
baseline
▲ 0.50% · 4.625%
HK$29,442
+HK$1,688/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,508/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,054
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,833
−HK$790/mo
Today · 4.125%
HK$30,623
baseline
▲ 0.50% · 4.625%
HK$32,238
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,246/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,339
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,314
−HK$990/mo
Today · 4.125%
HK$33,304
baseline
▲ 0.50% · 4.625%
HK$35,331
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,608/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,864
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,799
−HK$949/mo
Today · 4.125%
HK$36,748
baseline
▲ 0.50% · 4.625%
HK$38,685
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,496/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,562
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,699
−HK$1,156/mo
Today · 4.125%
HK$38,855
baseline
▲ 0.50% · 4.625%
HK$41,219
+HK$2,364/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,710/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,675
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,766
−HK$1,107/mo
Today · 4.125%
HK$42,873
baseline
▲ 0.50% · 4.625%
HK$45,133
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,746/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,009
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,471
−HK$1,485/mo
Today · 4.125%
HK$49,956
baseline
▲ 0.50% · 4.625%
HK$52,996
+HK$3,040/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,912/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,297
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,699
−HK$1,423/mo
Today · 4.125%
HK$55,122
baseline
▲ 0.50% · 4.625%
HK$58,028
+HK$2,906/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,244/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,489 · Scale 2, in force from 26 Feb 2026)