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$26,174
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,988
−HK$827/mo
Today · 4.125%
HK$27,815
baseline
▲ 0.50% · 4.625%
HK$29,508
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,630/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,118
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,899
−HK$792/mo
Today · 4.125%
HK$30,691
baseline
▲ 0.50% · 4.625%
HK$32,309
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,382/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,409
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,386
−HK$992/mo
Today · 4.125%
HK$33,378
baseline
▲ 0.50% · 4.625%
HK$35,409
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,756/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,942
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,879
−HK$951/mo
Today · 4.125%
HK$36,830
baseline
▲ 0.50% · 4.625%
HK$38,771
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,660/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,644
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,783
−HK$1,158/mo
Today · 4.125%
HK$38,941
baseline
▲ 0.50% · 4.625%
HK$41,311
+HK$2,370/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,882/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,766
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,859
−HK$1,109/mo
Today · 4.125%
HK$42,968
baseline
▲ 0.50% · 4.625%
HK$45,233
+HK$2,265/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,936/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,113
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,579
−HK$1,489/mo
Today · 4.125%
HK$50,068
baseline
▲ 0.50% · 4.625%
HK$53,114
+HK$3,046/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,136/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,413
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,819
−HK$1,426/mo
Today · 4.125%
HK$55,245
baseline
▲ 0.50% · 4.625%
HK$58,157
+HK$2,912/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,490/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,445 · Scale 2, in force from 26 Feb 2026)