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$26,324
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,143
−HK$831/mo
Today · 4.125%
HK$27,974
baseline
▲ 0.50% · 4.625%
HK$29,677
+HK$1,703/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,948/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,285
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,070
−HK$797/mo
Today · 4.125%
HK$30,867
baseline
▲ 0.50% · 4.625%
HK$32,494
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,734/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,588
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,571
−HK$998/mo
Today · 4.125%
HK$33,569
baseline
▲ 0.50% · 4.625%
HK$35,612
+HK$2,043/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,138/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,142
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,084
−HK$956/mo
Today · 4.125%
HK$37,040
baseline
▲ 0.50% · 4.625%
HK$38,993
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,080/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,853
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,000
−HK$1,164/mo
Today · 4.125%
HK$39,164
baseline
▲ 0.50% · 4.625%
HK$41,547
+HK$2,383/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,328/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,999
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,098
−HK$1,116/mo
Today · 4.125%
HK$43,214
baseline
▲ 0.50% · 4.625%
HK$45,492
+HK$2,278/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,428/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,383
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,857
−HK$1,497/mo
Today · 4.125%
HK$50,354
baseline
▲ 0.50% · 4.625%
HK$53,418
+HK$3,064/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,708/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,713
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,126
−HK$1,435/mo
Today · 4.125%
HK$55,561
baseline
▲ 0.50% · 4.625%
HK$58,489
+HK$2,928/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,122/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,907 · Scale 2, in force from 26 Feb 2026)