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$26,248
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,064
−HK$830/mo
Today · 4.125%
HK$27,894
baseline
▲ 0.50% · 4.625%
HK$29,591
+HK$1,697/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,788/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,200
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,983
−HK$795/mo
Today · 4.125%
HK$30,778
baseline
▲ 0.50% · 4.625%
HK$32,400
+HK$1,622/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,556/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,497
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,477
−HK$995/mo
Today · 4.125%
HK$33,472
baseline
▲ 0.50% · 4.625%
HK$35,509
+HK$2,037/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$66,944/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,040
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,980
−HK$953/mo
Today · 4.125%
HK$36,933
baseline
▲ 0.50% · 4.625%
HK$38,880
+HK$1,947/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$73,866/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,747
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,890
−HK$1,161/mo
Today · 4.125%
HK$39,051
baseline
▲ 0.50% · 4.625%
HK$41,427
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,102/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,880
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,977
−HK$1,112/mo
Today · 4.125%
HK$43,089
baseline
▲ 0.50% · 4.625%
HK$45,360
+HK$2,271/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,178/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$431,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,246
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,715
−HK$1,493/mo
Today · 4.125%
HK$50,208
baseline
▲ 0.50% · 4.625%
HK$53,263
+HK$3,055/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,416/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,560
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,970
−HK$1,430/mo
Today · 4.125%
HK$55,400
baseline
▲ 0.50% · 4.625%
HK$58,320
+HK$2,920/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,800/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,655 · Scale 2, in force from 26 Feb 2026)