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$27,167
−HK$832/mo
Today · 4.125%
HK$27,999
baseline
▲ 0.50% · 4.625%
HK$29,703
+HK$1,704/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$433,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,311
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,097
−HK$798/mo
Today · 4.125%
HK$30,895
baseline
▲ 0.50% · 4.625%
HK$32,523
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,790/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,617
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,600
−HK$999/mo
Today · 4.125%
HK$33,599
baseline
▲ 0.50% · 4.625%
HK$35,644
+HK$2,045/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,198/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,173
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,117
−HK$957/mo
Today · 4.125%
HK$37,074
baseline
▲ 0.50% · 4.625%
HK$39,028
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,148/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,886
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,034
−HK$1,165/mo
Today · 4.125%
HK$39,199
baseline
▲ 0.50% · 4.625%
HK$41,584
+HK$2,385/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,398/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,035
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,136
−HK$1,116/mo
Today · 4.125%
HK$43,252
baseline
▲ 0.50% · 4.625%
HK$45,532
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,504/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,425
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,900
−HK$1,499/mo
Today · 4.125%
HK$50,399
baseline
▲ 0.50% · 4.625%
HK$53,466
+HK$3,067/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,798/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,760
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,175
−HK$1,435/mo
Today · 4.125%
HK$55,610
baseline
▲ 0.50% · 4.625%
HK$58,542
+HK$2,932/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,220/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,295 · Scale 2, in force from 26 Feb 2026)