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$26,359
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,179
−HK$833/mo
Today · 4.125%
HK$28,012
baseline
▲ 0.50% · 4.625%
HK$29,716
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,024/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,324
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,110
−HK$798/mo
Today · 4.125%
HK$30,908
baseline
▲ 0.50% · 4.625%
HK$32,538
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,816/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,631
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,615
−HK$999/mo
Today · 4.125%
HK$33,614
baseline
▲ 0.50% · 4.625%
HK$35,660
+HK$2,046/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$67,228/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,189
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,133
−HK$957/mo
Today · 4.125%
HK$37,090
baseline
▲ 0.50% · 4.625%
HK$39,045
+HK$1,955/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$74,180/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,902
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,050
−HK$1,167/mo
Today · 4.125%
HK$39,217
baseline
▲ 0.50% · 4.625%
HK$41,603
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,434/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,054
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,155
−HK$1,117/mo
Today · 4.125%
HK$43,272
baseline
▲ 0.50% · 4.625%
HK$45,553
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,544/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,446
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,922
−HK$1,499/mo
Today · 4.125%
HK$50,421
baseline
▲ 0.50% · 4.625%
HK$53,489
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,842/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,783
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,199
−HK$1,436/mo
Today · 4.125%
HK$55,635
baseline
▲ 0.50% · 4.625%
HK$58,568
+HK$2,933/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,270/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,486 · Scale 2, in force from 26 Feb 2026)