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$26,347
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,166
−HK$833/mo
Today · 4.125%
HK$27,999
baseline
▲ 0.50% · 4.625%
HK$29,702
+HK$1,703/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$55,998/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,310
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,096
−HK$798/mo
Today · 4.125%
HK$30,894
baseline
▲ 0.50% · 4.625%
HK$32,522
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,788/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,616
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,599
−HK$1,000/mo
Today · 4.125%
HK$33,599
baseline
▲ 0.50% · 4.625%
HK$35,643
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,198/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,172
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,116
−HK$957/mo
Today · 4.125%
HK$37,073
baseline
▲ 0.50% · 4.625%
HK$39,027
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,146/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,885
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,033
−HK$1,165/mo
Today · 4.125%
HK$39,198
baseline
▲ 0.50% · 4.625%
HK$41,583
+HK$2,385/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,396/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,034
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,135
−HK$1,116/mo
Today · 4.125%
HK$43,251
baseline
▲ 0.50% · 4.625%
HK$45,531
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,502/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,424
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,899
−HK$1,499/mo
Today · 4.125%
HK$50,398
baseline
▲ 0.50% · 4.625%
HK$53,464
+HK$3,066/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,796/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,759
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,174
−HK$1,435/mo
Today · 4.125%
HK$55,609
baseline
▲ 0.50% · 4.625%
HK$58,540
+HK$2,931/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,218/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,284 · Scale 2, in force from 26 Feb 2026)