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$26,353
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,173
−HK$833/mo
Today · 4.125%
HK$28,006
baseline
▲ 0.50% · 4.625%
HK$29,710
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,012/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,318
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,104
−HK$798/mo
Today · 4.125%
HK$30,902
baseline
▲ 0.50% · 4.625%
HK$32,531
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,804/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,624
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,608
−HK$999/mo
Today · 4.125%
HK$33,607
baseline
▲ 0.50% · 4.625%
HK$35,652
+HK$2,045/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,214/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,181
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,125
−HK$957/mo
Today · 4.125%
HK$37,082
baseline
▲ 0.50% · 4.625%
HK$39,037
+HK$1,955/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,164/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,895
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,042
−HK$1,166/mo
Today · 4.125%
HK$39,208
baseline
▲ 0.50% · 4.625%
HK$41,594
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,416/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,045
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,146
−HK$1,116/mo
Today · 4.125%
HK$43,262
baseline
▲ 0.50% · 4.625%
HK$45,543
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,524/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,436
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,911
−HK$1,500/mo
Today · 4.125%
HK$50,411
baseline
▲ 0.50% · 4.625%
HK$53,478
+HK$3,067/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,822/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,772
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,187
−HK$1,436/mo
Today · 4.125%
HK$55,623
baseline
▲ 0.50% · 4.625%
HK$58,555
+HK$2,932/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,246/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,394 · Scale 2, in force from 26 Feb 2026)