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$26,344
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,163
−HK$833/mo
Today · 4.125%
HK$27,996
baseline
▲ 0.50% · 4.625%
HK$29,699
+HK$1,703/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$55,992/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,307
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,093
−HK$798/mo
Today · 4.125%
HK$30,891
baseline
▲ 0.50% · 4.625%
HK$32,519
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,782/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,613
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,596
−HK$999/mo
Today · 4.125%
HK$33,595
baseline
▲ 0.50% · 4.625%
HK$35,639
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,190/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,169
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,112
−HK$957/mo
Today · 4.125%
HK$37,069
baseline
▲ 0.50% · 4.625%
HK$39,023
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,138/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,881
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,029
−HK$1,165/mo
Today · 4.125%
HK$39,194
baseline
▲ 0.50% · 4.625%
HK$41,579
+HK$2,385/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,388/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,030
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,131
−HK$1,116/mo
Today · 4.125%
HK$43,247
baseline
▲ 0.50% · 4.625%
HK$45,527
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,494/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,419
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,894
−HK$1,499/mo
Today · 4.125%
HK$50,393
baseline
▲ 0.50% · 4.625%
HK$53,459
+HK$3,066/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,786/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,753
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,168
−HK$1,435/mo
Today · 4.125%
HK$55,603
baseline
▲ 0.50% · 4.625%
HK$58,534
+HK$2,931/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,206/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,240 · Scale 2, in force from 26 Feb 2026)