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$26,310
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,128
−HK$832/mo
Today · 4.125%
HK$27,960
baseline
▲ 0.50% · 4.625%
HK$29,661
+HK$1,701/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,920/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,270
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,055
−HK$796/mo
Today · 4.125%
HK$30,851
baseline
▲ 0.50% · 4.625%
HK$32,477
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,702/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,572
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,554
−HK$998/mo
Today · 4.125%
HK$33,552
baseline
▲ 0.50% · 4.625%
HK$35,593
+HK$2,041/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$67,104/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,124
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,066
−HK$955/mo
Today · 4.125%
HK$37,021
baseline
▲ 0.50% · 4.625%
HK$38,973
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$74,042/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,834
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,980
−HK$1,164/mo
Today · 4.125%
HK$39,144
baseline
▲ 0.50% · 4.625%
HK$41,526
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,288/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,978
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,077
−HK$1,114/mo
Today · 4.125%
HK$43,191
baseline
▲ 0.50% · 4.625%
HK$45,468
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,382/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,358
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,831
−HK$1,497/mo
Today · 4.125%
HK$50,328
baseline
▲ 0.50% · 4.625%
HK$53,390
+HK$3,062/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,656/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,685
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,098
−HK$1,434/mo
Today · 4.125%
HK$55,532
baseline
▲ 0.50% · 4.625%
HK$58,459
+HK$2,927/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,064/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,683 · Scale 2, in force from 26 Feb 2026)