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$26,121
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,933
−HK$826/mo
Today · 4.125%
HK$27,759
baseline
▲ 0.50% · 4.625%
HK$29,448
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,518/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,059
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,838
−HK$791/mo
Today · 4.125%
HK$30,629
baseline
▲ 0.50% · 4.625%
HK$32,243
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,258/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,345
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,320
−HK$990/mo
Today · 4.125%
HK$33,310
baseline
▲ 0.50% · 4.625%
HK$35,337
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,620/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,871
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,806
−HK$949/mo
Today · 4.125%
HK$36,755
baseline
▲ 0.50% · 4.625%
HK$38,692
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,510/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,569
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,706
−HK$1,156/mo
Today · 4.125%
HK$38,862
baseline
▲ 0.50% · 4.625%
HK$41,227
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,724/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,682
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,773
−HK$1,107/mo
Today · 4.125%
HK$42,880
baseline
▲ 0.50% · 4.625%
HK$45,141
+HK$2,261/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,760/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,017
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,479
−HK$1,486/mo
Today · 4.125%
HK$49,965
baseline
▲ 0.50% · 4.625%
HK$53,006
+HK$3,041/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,930/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,306
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,709
−HK$1,423/mo
Today · 4.125%
HK$55,132
baseline
▲ 0.50% · 4.625%
HK$58,038
+HK$2,906/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,264/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,567 · Scale 2, in force from 26 Feb 2026)