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$26,308
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$832/mo
Today · 4.125%
HK$27,958
baseline
▲ 0.50% · 4.625%
HK$29,659
+HK$1,701/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,916/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,267
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,052
−HK$797/mo
Today · 4.125%
HK$30,849
baseline
▲ 0.50% · 4.625%
HK$32,475
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,698/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,570
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,552
−HK$997/mo
Today · 4.125%
HK$33,549
baseline
▲ 0.50% · 4.625%
HK$35,591
+HK$2,042/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,098/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,121
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,063
−HK$955/mo
Today · 4.125%
HK$37,018
baseline
▲ 0.50% · 4.625%
HK$38,970
+HK$1,952/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$74,036/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,831
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,977
−HK$1,164/mo
Today · 4.125%
HK$39,141
baseline
▲ 0.50% · 4.625%
HK$41,522
+HK$2,381/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,282/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,974
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,073
−HK$1,115/mo
Today · 4.125%
HK$43,188
baseline
▲ 0.50% · 4.625%
HK$45,465
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,376/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,354
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,827
−HK$1,497/mo
Today · 4.125%
HK$50,324
baseline
▲ 0.50% · 4.625%
HK$53,386
+HK$3,062/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,648/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,681
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,094
−HK$1,434/mo
Today · 4.125%
HK$55,528
baseline
▲ 0.50% · 4.625%
HK$58,454
+HK$2,926/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,056/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,649 · Scale 2, in force from 26 Feb 2026)