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$26,297
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,115
−HK$831/mo
Today · 4.125%
HK$27,946
baseline
▲ 0.50% · 4.625%
HK$29,646
+HK$1,700/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,892/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,255
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,039
−HK$796/mo
Today · 4.125%
HK$30,835
baseline
▲ 0.50% · 4.625%
HK$32,461
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,670/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,556
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,538
−HK$997/mo
Today · 4.125%
HK$33,535
baseline
▲ 0.50% · 4.625%
HK$35,575
+HK$2,040/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,070/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,106
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,047
−HK$955/mo
Today · 4.125%
HK$37,002
baseline
▲ 0.50% · 4.625%
HK$38,953
+HK$1,951/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$74,004/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,815
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,960
−HK$1,164/mo
Today · 4.125%
HK$39,124
baseline
▲ 0.50% · 4.625%
HK$41,505
+HK$2,381/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,248/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,957
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,055
−HK$1,114/mo
Today · 4.125%
HK$43,169
baseline
▲ 0.50% · 4.625%
HK$45,445
+HK$2,276/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,338/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,334
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,806
−HK$1,496/mo
Today · 4.125%
HK$50,302
baseline
▲ 0.50% · 4.625%
HK$53,363
+HK$3,061/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,604/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,659
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,071
−HK$1,433/mo
Today · 4.125%
HK$55,504
baseline
▲ 0.50% · 4.625%
HK$58,429
+HK$2,925/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,008/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,462 · Scale 2, in force from 26 Feb 2026)