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$26,140
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,953
−HK$826/mo
Today · 4.125%
HK$27,779
baseline
▲ 0.50% · 4.625%
HK$29,469
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,558/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,080
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,860
−HK$791/mo
Today · 4.125%
HK$30,651
baseline
▲ 0.50% · 4.625%
HK$32,267
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,302/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,368
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,343
−HK$992/mo
Today · 4.125%
HK$33,335
baseline
▲ 0.50% · 4.625%
HK$35,363
+HK$2,028/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,670/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,896
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,832
−HK$949/mo
Today · 4.125%
HK$36,781
baseline
▲ 0.50% · 4.625%
HK$38,720
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,562/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,596
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,734
−HK$1,156/mo
Today · 4.125%
HK$38,890
baseline
▲ 0.50% · 4.625%
HK$41,257
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,780/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,712
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,804
−HK$1,108/mo
Today · 4.125%
HK$42,912
baseline
▲ 0.50% · 4.625%
HK$45,174
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,824/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,051
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,515
−HK$1,487/mo
Today · 4.125%
HK$50,002
baseline
▲ 0.50% · 4.625%
HK$53,044
+HK$3,042/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,004/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,344
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,748
−HK$1,424/mo
Today · 4.125%
HK$55,172
baseline
▲ 0.50% · 4.625%
HK$58,080
+HK$2,908/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,344/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,881 · Scale 2, in force from 26 Feb 2026)