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$26,124
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,936
−HK$826/mo
Today · 4.125%
HK$27,762
baseline
▲ 0.50% · 4.625%
HK$29,451
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,524/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,062
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,842
−HK$791/mo
Today · 4.125%
HK$30,633
baseline
▲ 0.50% · 4.625%
HK$32,247
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,266/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,349
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,324
−HK$990/mo
Today · 4.125%
HK$33,314
baseline
▲ 0.50% · 4.625%
HK$35,342
+HK$2,028/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,628/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,875
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,810
−HK$949/mo
Today · 4.125%
HK$36,759
baseline
▲ 0.50% · 4.625%
HK$38,697
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,518/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,573
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,711
−HK$1,156/mo
Today · 4.125%
HK$38,867
baseline
▲ 0.50% · 4.625%
HK$41,232
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,734/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,687
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,779
−HK$1,107/mo
Today · 4.125%
HK$42,886
baseline
▲ 0.50% · 4.625%
HK$45,146
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,772/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,023
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,486
−HK$1,486/mo
Today · 4.125%
HK$49,972
baseline
▲ 0.50% · 4.625%
HK$53,012
+HK$3,040/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,944/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,312
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,715
−HK$1,424/mo
Today · 4.125%
HK$55,139
baseline
▲ 0.50% · 4.625%
HK$58,045
+HK$2,906/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,278/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,620 · Scale 2, in force from 26 Feb 2026)