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$26,306
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,124
−HK$832/mo
Today · 4.125%
HK$27,956
baseline
▲ 0.50% · 4.625%
HK$29,657
+HK$1,701/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,912/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,265
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,050
−HK$796/mo
Today · 4.125%
HK$30,846
baseline
▲ 0.50% · 4.625%
HK$32,472
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,692/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,567
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,549
−HK$998/mo
Today · 4.125%
HK$33,547
baseline
▲ 0.50% · 4.625%
HK$35,588
+HK$2,041/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,094/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,118
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,060
−HK$956/mo
Today · 4.125%
HK$37,016
baseline
▲ 0.50% · 4.625%
HK$38,967
+HK$1,951/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$74,032/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,829
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,974
−HK$1,164/mo
Today · 4.125%
HK$39,138
baseline
▲ 0.50% · 4.625%
HK$41,520
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,276/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,971
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,070
−HK$1,115/mo
Today · 4.125%
HK$43,185
baseline
▲ 0.50% · 4.625%
HK$45,461
+HK$2,276/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,370/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,351
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,824
−HK$1,496/mo
Today · 4.125%
HK$50,320
baseline
▲ 0.50% · 4.625%
HK$53,382
+HK$3,062/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,640/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,678
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,090
−HK$1,434/mo
Today · 4.125%
HK$55,524
baseline
▲ 0.50% · 4.625%
HK$58,450
+HK$2,926/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,048/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,619 · Scale 2, in force from 26 Feb 2026)