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$26,185
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,000
−HK$828/mo
Today · 4.125%
HK$27,828
baseline
▲ 0.50% · 4.625%
HK$29,521
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,656/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,131
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,912
−HK$793/mo
Today · 4.125%
HK$30,705
baseline
▲ 0.50% · 4.625%
HK$32,323
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,410/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,423
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,400
−HK$993/mo
Today · 4.125%
HK$33,393
baseline
▲ 0.50% · 4.625%
HK$35,425
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,786/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,957
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,895
−HK$951/mo
Today · 4.125%
HK$36,846
baseline
▲ 0.50% · 4.625%
HK$38,788
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,692/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,660
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,800
−HK$1,159/mo
Today · 4.125%
HK$38,959
baseline
▲ 0.50% · 4.625%
HK$41,329
+HK$2,370/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,918/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,784
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,877
−HK$1,110/mo
Today · 4.125%
HK$42,987
baseline
▲ 0.50% · 4.625%
HK$45,253
+HK$2,266/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$85,974/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,134
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,600
−HK$1,490/mo
Today · 4.125%
HK$50,090
baseline
▲ 0.50% · 4.625%
HK$53,137
+HK$3,047/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,180/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,436
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,842
−HK$1,427/mo
Today · 4.125%
HK$55,269
baseline
▲ 0.50% · 4.625%
HK$58,182
+HK$2,913/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,538/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,635 · Scale 2, in force from 26 Feb 2026)