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$26,338
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,158
−HK$832/mo
Today · 4.125%
HK$27,990
baseline
▲ 0.50% · 4.625%
HK$29,693
+HK$1,703/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$55,980/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,301
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,087
−HK$797/mo
Today · 4.125%
HK$30,884
baseline
▲ 0.50% · 4.625%
HK$32,512
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,768/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,606
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,589
−HK$999/mo
Today · 4.125%
HK$33,588
baseline
▲ 0.50% · 4.625%
HK$35,632
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,176/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,162
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,105
−HK$956/mo
Today · 4.125%
HK$37,061
baseline
▲ 0.50% · 4.625%
HK$39,015
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,122/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,874
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,021
−HK$1,165/mo
Today · 4.125%
HK$39,186
baseline
▲ 0.50% · 4.625%
HK$41,571
+HK$2,385/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,372/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,022
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,122
−HK$1,116/mo
Today · 4.125%
HK$43,238
baseline
▲ 0.50% · 4.625%
HK$45,517
+HK$2,279/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,476/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,409
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,884
−HK$1,498/mo
Today · 4.125%
HK$50,382
baseline
▲ 0.50% · 4.625%
HK$53,448
+HK$3,066/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,764/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,742
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,157
−HK$1,435/mo
Today · 4.125%
HK$55,592
baseline
▲ 0.50% · 4.625%
HK$58,522
+HK$2,930/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,184/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,151 · Scale 2, in force from 26 Feb 2026)