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$26,295
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,113
−HK$831/mo
Today · 4.125%
HK$27,944
baseline
▲ 0.50% · 4.625%
HK$29,644
+HK$1,700/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,888/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,253
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,037
−HK$796/mo
Today · 4.125%
HK$30,833
baseline
▲ 0.50% · 4.625%
HK$32,458
+HK$1,625/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,666/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,554
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,535
−HK$997/mo
Today · 4.125%
HK$33,532
baseline
▲ 0.50% · 4.625%
HK$35,573
+HK$2,041/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,064/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,103
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,044
−HK$956/mo
Today · 4.125%
HK$37,000
baseline
▲ 0.50% · 4.625%
HK$38,950
+HK$1,950/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$74,000/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,813
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,958
−HK$1,163/mo
Today · 4.125%
HK$39,121
baseline
▲ 0.50% · 4.625%
HK$41,501
+HK$2,380/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,242/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,954
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,052
−HK$1,114/mo
Today · 4.125%
HK$43,166
baseline
▲ 0.50% · 4.625%
HK$45,441
+HK$2,275/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,332/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,330
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,803
−HK$1,495/mo
Today · 4.125%
HK$50,298
baseline
▲ 0.50% · 4.625%
HK$53,359
+HK$3,061/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,596/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,655
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,067
−HK$1,432/mo
Today · 4.125%
HK$55,499
baseline
▲ 0.50% · 4.625%
HK$58,425
+HK$2,926/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$110,998/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,430 · Scale 2, in force from 26 Feb 2026)