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$26,314
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,133
−HK$831/mo
Today · 4.125%
HK$27,964
baseline
▲ 0.50% · 4.625%
HK$29,666
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,928/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,274
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,059
−HK$797/mo
Today · 4.125%
HK$30,856
baseline
▲ 0.50% · 4.625%
HK$32,482
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,712/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,577
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,559
−HK$998/mo
Today · 4.125%
HK$33,557
baseline
▲ 0.50% · 4.625%
HK$35,599
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$67,114/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,129
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,071
−HK$956/mo
Today · 4.125%
HK$37,027
baseline
▲ 0.50% · 4.625%
HK$38,979
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$74,054/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,840
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,986
−HK$1,164/mo
Today · 4.125%
HK$39,150
baseline
▲ 0.50% · 4.625%
HK$41,532
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,300/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,984
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,083
−HK$1,115/mo
Today · 4.125%
HK$43,198
baseline
▲ 0.50% · 4.625%
HK$45,475
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,396/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,366
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,839
−HK$1,497/mo
Today · 4.125%
HK$50,336
baseline
▲ 0.50% · 4.625%
HK$53,399
+HK$3,063/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,672/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,694
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,107
−HK$1,434/mo
Today · 4.125%
HK$55,541
baseline
▲ 0.50% · 4.625%
HK$58,468
+HK$2,927/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,082/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,752 · Scale 2, in force from 26 Feb 2026)