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$26,388
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,209
−HK$834/mo
Today · 4.125%
HK$28,043
baseline
▲ 0.50% · 4.625%
HK$29,749
+HK$1,706/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,086/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,356
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,143
−HK$799/mo
Today · 4.125%
HK$30,942
baseline
▲ 0.50% · 4.625%
HK$32,573
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,884/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,665
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,650
−HK$1,001/mo
Today · 4.125%
HK$33,651
baseline
▲ 0.50% · 4.625%
HK$35,699
+HK$2,048/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,302/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,227
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,172
−HK$959/mo
Today · 4.125%
HK$37,131
baseline
▲ 0.50% · 4.625%
HK$39,088
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,262/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,943
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,092
−HK$1,168/mo
Today · 4.125%
HK$39,260
baseline
▲ 0.50% · 4.625%
HK$41,648
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,520/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,099
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,201
−HK$1,118/mo
Today · 4.125%
HK$43,319
baseline
▲ 0.50% · 4.625%
HK$45,602
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,638/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,498
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,976
−HK$1,501/mo
Today · 4.125%
HK$50,477
baseline
▲ 0.50% · 4.625%
HK$53,548
+HK$3,071/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$100,954/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,841
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,258
−HK$1,438/mo
Today · 4.125%
HK$55,696
baseline
▲ 0.50% · 4.625%
HK$58,632
+HK$2,936/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,392/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,962 · Scale 2, in force from 26 Feb 2026)