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$26,268
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,085
−HK$830/mo
Today · 4.125%
HK$27,915
baseline
▲ 0.50% · 4.625%
HK$29,614
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,830/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,223
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$30,006
−HK$795/mo
Today · 4.125%
HK$30,801
baseline
▲ 0.50% · 4.625%
HK$32,425
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,602/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,521
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,502
−HK$996/mo
Today · 4.125%
HK$33,498
baseline
▲ 0.50% · 4.625%
HK$35,536
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,996/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,067
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,008
−HK$954/mo
Today · 4.125%
HK$36,962
baseline
▲ 0.50% · 4.625%
HK$38,910
+HK$1,948/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,924/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,775
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,919
−HK$1,162/mo
Today · 4.125%
HK$39,081
baseline
▲ 0.50% · 4.625%
HK$41,459
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,162/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,912
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,009
−HK$1,113/mo
Today · 4.125%
HK$43,122
baseline
▲ 0.50% · 4.625%
HK$45,395
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,244/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,282
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,753
−HK$1,494/mo
Today · 4.125%
HK$50,247
baseline
▲ 0.50% · 4.625%
HK$53,304
+HK$3,057/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,494/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,601
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,012
−HK$1,431/mo
Today · 4.125%
HK$55,443
baseline
▲ 0.50% · 4.625%
HK$58,365
+HK$2,922/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,886/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,988 · Scale 2, in force from 26 Feb 2026)