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$26,109
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,921
−HK$825/mo
Today · 4.125%
HK$27,746
baseline
▲ 0.50% · 4.625%
HK$29,435
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,492/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,046
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,825
−HK$790/mo
Today · 4.125%
HK$30,615
baseline
▲ 0.50% · 4.625%
HK$32,229
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,230/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,331
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,305
−HK$991/mo
Today · 4.125%
HK$33,296
baseline
▲ 0.50% · 4.625%
HK$35,321
+HK$2,025/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,592/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,855
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,790
−HK$948/mo
Today · 4.125%
HK$36,738
baseline
▲ 0.50% · 4.625%
HK$38,675
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,476/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,553
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,690
−HK$1,155/mo
Today · 4.125%
HK$38,845
baseline
▲ 0.50% · 4.625%
HK$41,208
+HK$2,363/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,690/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,664
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,755
−HK$1,106/mo
Today · 4.125%
HK$42,861
baseline
▲ 0.50% · 4.625%
HK$45,121
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,722/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,996
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,458
−HK$1,485/mo
Today · 4.125%
HK$49,943
baseline
▲ 0.50% · 4.625%
HK$52,982
+HK$3,039/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,886/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,283
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,685
−HK$1,422/mo
Today · 4.125%
HK$55,107
baseline
▲ 0.50% · 4.625%
HK$58,012
+HK$2,905/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,214/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,377 · Scale 2, in force from 26 Feb 2026)