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$26,122
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,935
−HK$825/mo
Today · 4.125%
HK$27,760
baseline
▲ 0.50% · 4.625%
HK$29,450
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,520/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,061
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,840
−HK$791/mo
Today · 4.125%
HK$30,631
baseline
▲ 0.50% · 4.625%
HK$32,245
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,262/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,347
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,322
−HK$990/mo
Today · 4.125%
HK$33,312
baseline
▲ 0.50% · 4.625%
HK$35,339
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,624/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,873
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,808
−HK$949/mo
Today · 4.125%
HK$36,757
baseline
▲ 0.50% · 4.625%
HK$38,695
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,514/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,571
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,709
−HK$1,156/mo
Today · 4.125%
HK$38,865
baseline
▲ 0.50% · 4.625%
HK$41,229
+HK$2,364/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,730/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,685
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,776
−HK$1,107/mo
Today · 4.125%
HK$42,883
baseline
▲ 0.50% · 4.625%
HK$45,144
+HK$2,261/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,766/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,020
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,483
−HK$1,486/mo
Today · 4.125%
HK$49,969
baseline
▲ 0.50% · 4.625%
HK$53,009
+HK$3,040/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,938/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,309
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,712
−HK$1,423/mo
Today · 4.125%
HK$55,135
baseline
▲ 0.50% · 4.625%
HK$58,042
+HK$2,907/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,270/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,595 · Scale 2, in force from 26 Feb 2026)