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$26,164
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,978
−HK$827/mo
Today · 4.125%
HK$27,805
baseline
▲ 0.50% · 4.625%
HK$29,496
+HK$1,691/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,610/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,107
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,888
−HK$792/mo
Today · 4.125%
HK$30,680
baseline
▲ 0.50% · 4.625%
HK$32,297
+HK$1,617/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,360/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,397
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,373
−HK$992/mo
Today · 4.125%
HK$33,365
baseline
▲ 0.50% · 4.625%
HK$35,396
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,730/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,928
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,865
−HK$950/mo
Today · 4.125%
HK$36,815
baseline
▲ 0.50% · 4.625%
HK$38,756
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,630/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,629
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,769
−HK$1,157/mo
Today · 4.125%
HK$38,926
baseline
▲ 0.50% · 4.625%
HK$41,295
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,852/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,750
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,843
−HK$1,108/mo
Today · 4.125%
HK$42,951
baseline
▲ 0.50% · 4.625%
HK$45,215
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,902/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,095
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,560
−HK$1,488/mo
Today · 4.125%
HK$50,048
baseline
▲ 0.50% · 4.625%
HK$53,093
+HK$3,045/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,096/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,393
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,798
−HK$1,425/mo
Today · 4.125%
HK$55,223
baseline
▲ 0.50% · 4.625%
HK$58,134
+HK$2,911/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,446/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,278 · Scale 2, in force from 26 Feb 2026)