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$26,320
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,139
−HK$832/mo
Today · 4.125%
HK$27,971
baseline
▲ 0.50% · 4.625%
HK$29,673
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,942/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,281
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,067
−HK$796/mo
Today · 4.125%
HK$30,863
baseline
▲ 0.50% · 4.625%
HK$32,490
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,726/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,585
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,567
−HK$998/mo
Today · 4.125%
HK$33,565
baseline
▲ 0.50% · 4.625%
HK$35,608
+HK$2,043/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,130/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,137
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,080
−HK$956/mo
Today · 4.125%
HK$37,036
baseline
▲ 0.50% · 4.625%
HK$38,988
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,072/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,849
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,995
−HK$1,164/mo
Today · 4.125%
HK$39,159
baseline
▲ 0.50% · 4.625%
HK$41,542
+HK$2,383/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,318/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,994
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,093
−HK$1,115/mo
Today · 4.125%
HK$43,208
baseline
▲ 0.50% · 4.625%
HK$45,486
+HK$2,278/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,416/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,377
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,850
−HK$1,498/mo
Today · 4.125%
HK$50,348
baseline
▲ 0.50% · 4.625%
HK$53,411
+HK$3,063/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,696/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,706
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,120
−HK$1,434/mo
Today · 4.125%
HK$55,554
baseline
▲ 0.50% · 4.625%
HK$58,482
+HK$2,928/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,108/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,854 · Scale 2, in force from 26 Feb 2026)