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$26,151
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,964
−HK$827/mo
Today · 4.125%
HK$27,791
baseline
▲ 0.50% · 4.625%
HK$29,482
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,582/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,093
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,873
−HK$791/mo
Today · 4.125%
HK$30,664
baseline
▲ 0.50% · 4.625%
HK$32,281
+HK$1,617/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,328/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,381
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,357
−HK$992/mo
Today · 4.125%
HK$33,349
baseline
▲ 0.50% · 4.625%
HK$35,378
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,698/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,911
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,847
−HK$950/mo
Today · 4.125%
HK$36,797
baseline
▲ 0.50% · 4.625%
HK$38,737
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,594/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,611
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,750
−HK$1,157/mo
Today · 4.125%
HK$38,907
baseline
▲ 0.50% · 4.625%
HK$41,274
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,814/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,730
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,822
−HK$1,108/mo
Today · 4.125%
HK$42,930
baseline
▲ 0.50% · 4.625%
HK$45,193
+HK$2,263/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,860/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,072
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,536
−HK$1,487/mo
Today · 4.125%
HK$50,023
baseline
▲ 0.50% · 4.625%
HK$53,067
+HK$3,044/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,046/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,367
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,771
−HK$1,425/mo
Today · 4.125%
HK$55,196
baseline
▲ 0.50% · 4.625%
HK$58,105
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,392/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,065 · Scale 2, in force from 26 Feb 2026)