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$26,390
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,211
−HK$834/mo
Today · 4.125%
HK$28,045
baseline
▲ 0.50% · 4.625%
HK$29,751
+HK$1,706/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,090/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,358
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,146
−HK$799/mo
Today · 4.125%
HK$30,945
baseline
▲ 0.50% · 4.625%
HK$32,576
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,890/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,668
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,653
−HK$1,001/mo
Today · 4.125%
HK$33,654
baseline
▲ 0.50% · 4.625%
HK$35,701
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,308/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,230
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,175
−HK$958/mo
Today · 4.125%
HK$37,133
baseline
▲ 0.50% · 4.625%
HK$39,091
+HK$1,958/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,266/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,946
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,095
−HK$1,168/mo
Today · 4.125%
HK$39,263
baseline
▲ 0.50% · 4.625%
HK$41,652
+HK$2,389/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,526/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,102
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,204
−HK$1,118/mo
Today · 4.125%
HK$43,322
baseline
▲ 0.50% · 4.625%
HK$45,606
+HK$2,284/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,644/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,502
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,979
−HK$1,501/mo
Today · 4.125%
HK$50,480
baseline
▲ 0.50% · 4.625%
HK$53,552
+HK$3,072/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$100,960/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,845
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,262
−HK$1,438/mo
Today · 4.125%
HK$55,700
baseline
▲ 0.50% · 4.625%
HK$58,636
+HK$2,936/mo
Deposit HK$1.16M · loan HK$10.42M · min. income ≈ HK$111,400/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,995 · Scale 2, in force from 26 Feb 2026)