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$26,278
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,095
−HK$830/mo
Today · 4.125%
HK$27,925
baseline
▲ 0.50% · 4.625%
HK$29,625
+HK$1,700/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,850/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,234
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,018
−HK$795/mo
Today · 4.125%
HK$30,813
baseline
▲ 0.50% · 4.625%
HK$32,437
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,626/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,533
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,514
−HK$996/mo
Today · 4.125%
HK$33,510
baseline
▲ 0.50% · 4.625%
HK$35,549
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,020/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,080
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,021
−HK$954/mo
Today · 4.125%
HK$36,975
baseline
▲ 0.50% · 4.625%
HK$38,925
+HK$1,950/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,950/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,789
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,933
−HK$1,163/mo
Today · 4.125%
HK$39,096
baseline
▲ 0.50% · 4.625%
HK$41,474
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,192/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,927
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,025
−HK$1,113/mo
Today · 4.125%
HK$43,138
baseline
▲ 0.50% · 4.625%
HK$45,412
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,276/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,300
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,771
−HK$1,495/mo
Today · 4.125%
HK$50,266
baseline
▲ 0.50% · 4.625%
HK$53,324
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,532/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,620
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,032
−HK$1,431/mo
Today · 4.125%
HK$55,463
baseline
▲ 0.50% · 4.625%
HK$58,387
+HK$2,924/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,926/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,148 · Scale 2, in force from 26 Feb 2026)