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$26,329
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$833/mo
Today · 4.125%
HK$27,981
baseline
▲ 0.50% · 4.625%
HK$29,683
+HK$1,702/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$433,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,291
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,077
−HK$797/mo
Today · 4.125%
HK$30,874
baseline
▲ 0.50% · 4.625%
HK$32,501
+HK$1,627/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$433,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,595
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,578
−HK$999/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$433,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,149
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,092
−HK$957/mo
Today · 4.125%
HK$37,049
baseline
▲ 0.50% · 4.625%
HK$39,001
+HK$1,952/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$433,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,861
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,008
−HK$1,165/mo
Today · 4.125%
HK$39,173
baseline
▲ 0.50% · 4.625%
HK$41,556
+HK$2,383/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$433,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,008
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,108
−HK$1,115/mo
Today · 4.125%
HK$43,223
baseline
▲ 0.50% · 4.625%
HK$45,502
+HK$2,279/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,446/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,393
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,867
−HK$1,498/mo
Today · 4.125%
HK$50,365
baseline
▲ 0.50% · 4.625%
HK$53,430
+HK$3,065/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,730/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,724
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,138
−HK$1,435/mo
Today · 4.125%
HK$55,573
baseline
▲ 0.50% · 4.625%
HK$58,502
+HK$2,929/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,146/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,002 · Scale 2, in force from 26 Feb 2026)