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$26,385
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,205
−HK$834/mo
Today · 4.125%
HK$28,039
baseline
▲ 0.50% · 4.625%
HK$29,745
+HK$1,706/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,078/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,353
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,140
−HK$798/mo
Today · 4.125%
HK$30,938
baseline
▲ 0.50% · 4.625%
HK$32,569
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,876/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,661
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,646
−HK$1,001/mo
Today · 4.125%
HK$33,647
baseline
▲ 0.50% · 4.625%
HK$35,694
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,294/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,223
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,168
−HK$958/mo
Today · 4.125%
HK$37,126
baseline
▲ 0.50% · 4.625%
HK$39,083
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,252/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,938
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$38,087
−HK$1,168/mo
Today · 4.125%
HK$39,255
baseline
▲ 0.50% · 4.625%
HK$41,643
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,510/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,094
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,196
−HK$1,118/mo
Today · 4.125%
HK$43,314
baseline
▲ 0.50% · 4.625%
HK$45,597
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,628/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,492
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,969
−HK$1,501/mo
Today · 4.125%
HK$50,470
baseline
▲ 0.50% · 4.625%
HK$53,541
+HK$3,071/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,940/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,835
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,252
−HK$1,437/mo
Today · 4.125%
HK$55,689
baseline
▲ 0.50% · 4.625%
HK$58,624
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,378/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,908 · Scale 2, in force from 26 Feb 2026)