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$26,348
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,168
−HK$833/mo
Today · 4.125%
HK$28,001
baseline
▲ 0.50% · 4.625%
HK$29,704
+HK$1,703/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,002/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,312
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,098
−HK$798/mo
Today · 4.125%
HK$30,896
baseline
▲ 0.50% · 4.625%
HK$32,525
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,792/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,618
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,602
−HK$999/mo
Today · 4.125%
HK$33,601
baseline
▲ 0.50% · 4.625%
HK$35,645
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,202/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,175
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,118
−HK$957/mo
Today · 4.125%
HK$37,075
baseline
▲ 0.50% · 4.625%
HK$39,029
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,150/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,888
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,035
−HK$1,166/mo
Today · 4.125%
HK$39,201
baseline
▲ 0.50% · 4.625%
HK$41,586
+HK$2,385/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,402/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,037
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,138
−HK$1,116/mo
Today · 4.125%
HK$43,254
baseline
▲ 0.50% · 4.625%
HK$45,534
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,508/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,427
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,902
−HK$1,499/mo
Today · 4.125%
HK$50,401
baseline
▲ 0.50% · 4.625%
HK$53,468
+HK$3,067/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,802/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,762
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,177
−HK$1,436/mo
Today · 4.125%
HK$55,613
baseline
▲ 0.50% · 4.625%
HK$58,544
+HK$2,931/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,226/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,313 · Scale 2, in force from 26 Feb 2026)