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$26,274
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,091
−HK$830/mo
Today · 4.125%
HK$27,921
baseline
▲ 0.50% · 4.625%
HK$29,620
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,842/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,229
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,013
−HK$796/mo
Today · 4.125%
HK$30,809
baseline
▲ 0.50% · 4.625%
HK$32,432
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,618/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,529
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,509
−HK$997/mo
Today · 4.125%
HK$33,506
baseline
▲ 0.50% · 4.625%
HK$35,544
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,012/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,075
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,016
−HK$954/mo
Today · 4.125%
HK$36,970
baseline
▲ 0.50% · 4.625%
HK$38,919
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,940/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,783
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,928
−HK$1,162/mo
Today · 4.125%
HK$39,090
baseline
▲ 0.50% · 4.625%
HK$41,469
+HK$2,379/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,180/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,921
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,019
−HK$1,113/mo
Today · 4.125%
HK$43,132
baseline
▲ 0.50% · 4.625%
HK$45,405
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,264/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,293
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,764
−HK$1,495/mo
Today · 4.125%
HK$50,259
baseline
▲ 0.50% · 4.625%
HK$53,317
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,518/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,613
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,024
−HK$1,431/mo
Today · 4.125%
HK$55,455
baseline
▲ 0.50% · 4.625%
HK$58,378
+HK$2,923/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,910/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,087 · Scale 2, in force from 26 Feb 2026)