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$1,650/mo
▼ 0.25% · 3.875%
HK$27,139
−HK$831/mo
Today · 4.125%
HK$27,970
baseline
▲ 0.50% · 4.625%
HK$29,672
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,940/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,281
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,066
−HK$797/mo
Today · 4.125%
HK$30,863
baseline
▲ 0.50% · 4.625%
HK$32,489
+HK$1,626/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$432,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,584
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,566
−HK$998/mo
Today · 4.125%
HK$33,564
baseline
▲ 0.50% · 4.625%
HK$35,607
+HK$2,043/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,128/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,137
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,079
−HK$956/mo
Today · 4.125%
HK$37,035
baseline
▲ 0.50% · 4.625%
HK$38,987
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,070/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,848
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,994
−HK$1,165/mo
Today · 4.125%
HK$39,159
baseline
▲ 0.50% · 4.625%
HK$41,541
+HK$2,382/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$432,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,993
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,092
−HK$1,116/mo
Today · 4.125%
HK$43,208
baseline
▲ 0.50% · 4.625%
HK$45,485
+HK$2,277/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$432,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,376
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,849
−HK$1,498/mo
Today · 4.125%
HK$50,347
baseline
▲ 0.50% · 4.625%
HK$53,410
+HK$3,063/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,694/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,705
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,119
−HK$1,434/mo
Today · 4.125%
HK$55,553
baseline
▲ 0.50% · 4.625%
HK$58,481
+HK$2,928/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,106/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,845 · Scale 2, in force from 26 Feb 2026)