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$26,141
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,954
−HK$826/mo
Today · 4.125%
HK$27,780
baseline
▲ 0.50% · 4.625%
HK$29,470
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,560/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,081
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,861
−HK$791/mo
Today · 4.125%
HK$30,652
baseline
▲ 0.50% · 4.625%
HK$32,268
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,304/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,369
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,344
−HK$992/mo
Today · 4.125%
HK$33,336
baseline
▲ 0.50% · 4.625%
HK$35,364
+HK$2,028/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,672/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,897
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,833
−HK$950/mo
Today · 4.125%
HK$36,783
baseline
▲ 0.50% · 4.625%
HK$38,722
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,566/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,597
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,735
−HK$1,157/mo
Today · 4.125%
HK$38,892
baseline
▲ 0.50% · 4.625%
HK$41,258
+HK$2,366/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,784/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,714
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,806
−HK$1,107/mo
Today · 4.125%
HK$42,913
baseline
▲ 0.50% · 4.625%
HK$45,175
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,826/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,053
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,517
−HK$1,487/mo
Today · 4.125%
HK$50,004
baseline
▲ 0.50% · 4.625%
HK$53,046
+HK$3,042/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,008/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,346
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,750
−HK$1,424/mo
Today · 4.125%
HK$55,174
baseline
▲ 0.50% · 4.625%
HK$58,083
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,348/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,897 · Scale 2, in force from 26 Feb 2026)