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$26,192
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,007
−HK$827/mo
Today · 4.125%
HK$27,834
baseline
▲ 0.50% · 4.625%
HK$29,528
+HK$1,694/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,668/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,138
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,920
−HK$793/mo
Today · 4.125%
HK$30,713
baseline
▲ 0.50% · 4.625%
HK$32,332
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,426/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,430
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,408
−HK$993/mo
Today · 4.125%
HK$33,401
baseline
▲ 0.50% · 4.625%
HK$35,434
+HK$2,033/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,802/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,966
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,904
−HK$951/mo
Today · 4.125%
HK$36,855
baseline
▲ 0.50% · 4.625%
HK$38,798
+HK$1,943/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,710/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,669
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,809
−HK$1,159/mo
Today · 4.125%
HK$38,968
baseline
▲ 0.50% · 4.625%
HK$41,339
+HK$2,371/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,936/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,794
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,888
−HK$1,110/mo
Today · 4.125%
HK$42,998
baseline
▲ 0.50% · 4.625%
HK$45,264
+HK$2,266/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$85,996/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,146
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,612
−HK$1,490/mo
Today · 4.125%
HK$50,102
baseline
▲ 0.50% · 4.625%
HK$53,151
+HK$3,049/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,204/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,449
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,856
−HK$1,427/mo
Today · 4.125%
HK$55,283
baseline
▲ 0.50% · 4.625%
HK$58,197
+HK$2,914/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,566/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,742 · Scale 2, in force from 26 Feb 2026)