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$26,139
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,952
−HK$826/mo
Today · 4.125%
HK$27,778
baseline
▲ 0.50% · 4.625%
HK$29,469
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,556/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,080
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,859
−HK$792/mo
Today · 4.125%
HK$30,651
baseline
▲ 0.50% · 4.625%
HK$32,266
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,302/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,367
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,343
−HK$991/mo
Today · 4.125%
HK$33,334
baseline
▲ 0.50% · 4.625%
HK$35,362
+HK$2,028/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,668/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,895
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,831
−HK$950/mo
Today · 4.125%
HK$36,781
baseline
▲ 0.50% · 4.625%
HK$38,719
+HK$1,938/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,562/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,595
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,733
−HK$1,157/mo
Today · 4.125%
HK$38,890
baseline
▲ 0.50% · 4.625%
HK$41,256
+HK$2,366/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,780/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,711
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,803
−HK$1,108/mo
Today · 4.125%
HK$42,911
baseline
▲ 0.50% · 4.625%
HK$45,173
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,822/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,050
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,514
−HK$1,487/mo
Today · 4.125%
HK$50,001
baseline
▲ 0.50% · 4.625%
HK$53,043
+HK$3,042/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,002/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,343
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,747
−HK$1,424/mo
Today · 4.125%
HK$55,171
baseline
▲ 0.50% · 4.625%
HK$58,079
+HK$2,908/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,342/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,872 · Scale 2, in force from 26 Feb 2026)