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$26,330
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,149
−HK$832/mo
Today · 4.125%
HK$27,981
baseline
▲ 0.50% · 4.625%
HK$29,684
+HK$1,703/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,962/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,292
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,077
−HK$797/mo
Today · 4.125%
HK$30,874
baseline
▲ 0.50% · 4.625%
HK$32,502
+HK$1,628/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,748/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,596
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,579
−HK$998/mo
Today · 4.125%
HK$33,577
baseline
▲ 0.50% · 4.625%
HK$35,620
+HK$2,043/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,154/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,150
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,093
−HK$956/mo
Today · 4.125%
HK$37,049
baseline
▲ 0.50% · 4.625%
HK$39,002
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,098/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,862
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,008
−HK$1,165/mo
Today · 4.125%
HK$39,173
baseline
▲ 0.50% · 4.625%
HK$41,557
+HK$2,384/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,346/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,008
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,108
−HK$1,116/mo
Today · 4.125%
HK$43,224
baseline
▲ 0.50% · 4.625%
HK$45,502
+HK$2,278/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,448/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,394
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,868
−HK$1,498/mo
Today · 4.125%
HK$50,366
baseline
▲ 0.50% · 4.625%
HK$53,430
+HK$3,064/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,732/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,725
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,139
−HK$1,435/mo
Today · 4.125%
HK$55,574
baseline
▲ 0.50% · 4.625%
HK$58,503
+HK$2,929/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,148/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,008 · Scale 2, in force from 26 Feb 2026)