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$26,142
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,955
−HK$826/mo
Today · 4.125%
HK$27,781
baseline
▲ 0.50% · 4.625%
HK$29,471
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,562/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,082
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,862
−HK$791/mo
Today · 4.125%
HK$30,653
baseline
▲ 0.50% · 4.625%
HK$32,269
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,306/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,370
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,346
−HK$991/mo
Today · 4.125%
HK$33,337
baseline
▲ 0.50% · 4.625%
HK$35,366
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,674/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,899
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,835
−HK$949/mo
Today · 4.125%
HK$36,784
baseline
▲ 0.50% · 4.625%
HK$38,723
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,568/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,598
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,737
−HK$1,156/mo
Today · 4.125%
HK$38,893
baseline
▲ 0.50% · 4.625%
HK$41,260
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,786/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,715
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,807
−HK$1,108/mo
Today · 4.125%
HK$42,915
baseline
▲ 0.50% · 4.625%
HK$45,177
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,830/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,055
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,518
−HK$1,488/mo
Today · 4.125%
HK$50,006
baseline
▲ 0.50% · 4.625%
HK$53,048
+HK$3,042/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,012/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,348
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,752
−HK$1,424/mo
Today · 4.125%
HK$55,176
baseline
▲ 0.50% · 4.625%
HK$58,085
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,352/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,912 · Scale 2, in force from 26 Feb 2026)