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$26,281
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,098
−HK$831/mo
Today · 4.125%
HK$27,929
baseline
▲ 0.50% · 4.625%
HK$29,628
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,858/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,237
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,021
−HK$796/mo
Today · 4.125%
HK$30,817
baseline
▲ 0.50% · 4.625%
HK$32,441
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,634/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,537
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,518
−HK$996/mo
Today · 4.125%
HK$33,514
baseline
▲ 0.50% · 4.625%
HK$35,554
+HK$2,040/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,028/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,084
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,025
−HK$955/mo
Today · 4.125%
HK$36,980
baseline
▲ 0.50% · 4.625%
HK$38,929
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,960/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,793
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,937
−HK$1,163/mo
Today · 4.125%
HK$39,100
baseline
▲ 0.50% · 4.625%
HK$41,479
+HK$2,379/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,200/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,932
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,030
−HK$1,113/mo
Today · 4.125%
HK$43,143
baseline
▲ 0.50% · 4.625%
HK$45,417
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,286/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,305
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,777
−HK$1,495/mo
Today · 4.125%
HK$50,272
baseline
▲ 0.50% · 4.625%
HK$53,331
+HK$3,059/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,544/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,627
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,038
−HK$1,432/mo
Today · 4.125%
HK$55,470
baseline
▲ 0.50% · 4.625%
HK$58,394
+HK$2,924/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,940/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,199 · Scale 2, in force from 26 Feb 2026)