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$26,145
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,958
−HK$827/mo
Today · 4.125%
HK$27,785
baseline
▲ 0.50% · 4.625%
HK$29,475
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,570/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,086
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,866
−HK$792/mo
Today · 4.125%
HK$30,658
baseline
▲ 0.50% · 4.625%
HK$32,274
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,316/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,374
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,350
−HK$992/mo
Today · 4.125%
HK$33,342
baseline
▲ 0.50% · 4.625%
HK$35,370
+HK$2,028/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,684/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,904
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,840
−HK$949/mo
Today · 4.125%
HK$36,789
baseline
▲ 0.50% · 4.625%
HK$38,729
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,578/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,603
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,742
−HK$1,157/mo
Today · 4.125%
HK$38,899
baseline
▲ 0.50% · 4.625%
HK$41,266
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,798/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,721
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,813
−HK$1,108/mo
Today · 4.125%
HK$42,921
baseline
▲ 0.50% · 4.625%
HK$45,183
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,842/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,061
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,525
−HK$1,488/mo
Today · 4.125%
HK$50,013
baseline
▲ 0.50% · 4.625%
HK$53,056
+HK$3,043/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,026/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,355
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,759
−HK$1,425/mo
Today · 4.125%
HK$55,184
baseline
▲ 0.50% · 4.625%
HK$58,093
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,368/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,972 · Scale 2, in force from 26 Feb 2026)