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$26,176
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,990
−HK$827/mo
Today · 4.125%
HK$27,817
baseline
▲ 0.50% · 4.625%
HK$29,510
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,634/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,120
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,901
−HK$793/mo
Today · 4.125%
HK$30,694
baseline
▲ 0.50% · 4.625%
HK$32,311
+HK$1,617/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,388/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,411
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,388
−HK$993/mo
Today · 4.125%
HK$33,381
baseline
▲ 0.50% · 4.625%
HK$35,412
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,762/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,944
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,882
−HK$950/mo
Today · 4.125%
HK$36,832
baseline
▲ 0.50% · 4.625%
HK$38,774
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,664/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,646
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,786
−HK$1,158/mo
Today · 4.125%
HK$38,944
baseline
▲ 0.50% · 4.625%
HK$41,314
+HK$2,370/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,888/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,768
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,862
−HK$1,109/mo
Today · 4.125%
HK$42,971
baseline
▲ 0.50% · 4.625%
HK$45,236
+HK$2,265/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,942/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,116
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,582
−HK$1,489/mo
Today · 4.125%
HK$50,071
baseline
▲ 0.50% · 4.625%
HK$53,118
+HK$3,047/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,142/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,417
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,822
−HK$1,426/mo
Today · 4.125%
HK$55,248
baseline
▲ 0.50% · 4.625%
HK$58,161
+HK$2,913/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,496/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,475 · Scale 2, in force from 26 Feb 2026)