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$26,275
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,092
−HK$830/mo
Today · 4.125%
HK$27,922
baseline
▲ 0.50% · 4.625%
HK$29,621
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,844/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,230
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,014
−HK$795/mo
Today · 4.125%
HK$30,809
baseline
▲ 0.50% · 4.625%
HK$32,433
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,618/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,529
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,510
−HK$997/mo
Today · 4.125%
HK$33,507
baseline
▲ 0.50% · 4.625%
HK$35,545
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,014/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,076
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,017
−HK$954/mo
Today · 4.125%
HK$36,971
baseline
▲ 0.50% · 4.625%
HK$38,920
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,942/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,784
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,929
−HK$1,162/mo
Today · 4.125%
HK$39,091
baseline
▲ 0.50% · 4.625%
HK$41,470
+HK$2,379/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,182/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,922
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,020
−HK$1,113/mo
Today · 4.125%
HK$43,133
baseline
▲ 0.50% · 4.625%
HK$45,407
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,266/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,294
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,765
−HK$1,495/mo
Today · 4.125%
HK$50,260
baseline
▲ 0.50% · 4.625%
HK$53,318
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,520/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,614
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,025
−HK$1,432/mo
Today · 4.125%
HK$55,457
baseline
▲ 0.50% · 4.625%
HK$58,380
+HK$2,923/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,914/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,098 · Scale 2, in force from 26 Feb 2026)