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$26,335
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,154
−HK$833/mo
Today · 4.125%
HK$27,987
baseline
▲ 0.50% · 4.625%
HK$29,690
+HK$1,703/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,974/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,298
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,083
−HK$798/mo
Today · 4.125%
HK$30,881
baseline
▲ 0.50% · 4.625%
HK$32,508
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,762/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,602
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,585
−HK$999/mo
Today · 4.125%
HK$33,584
baseline
▲ 0.50% · 4.625%
HK$35,628
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,168/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,157
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,100
−HK$957/mo
Today · 4.125%
HK$37,057
baseline
▲ 0.50% · 4.625%
HK$39,010
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,114/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,869
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,016
−HK$1,165/mo
Today · 4.125%
HK$39,181
baseline
▲ 0.50% · 4.625%
HK$41,566
+HK$2,385/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,362/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,017
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,117
−HK$1,116/mo
Today · 4.125%
HK$43,233
baseline
▲ 0.50% · 4.625%
HK$45,512
+HK$2,279/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,466/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,403
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,878
−HK$1,498/mo
Today · 4.125%
HK$50,376
baseline
▲ 0.50% · 4.625%
HK$53,441
+HK$3,065/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,752/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,736
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,150
−HK$1,435/mo
Today · 4.125%
HK$55,585
baseline
▲ 0.50% · 4.625%
HK$58,515
+HK$2,930/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,170/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,098 · Scale 2, in force from 26 Feb 2026)