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$26,267
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,084
−HK$830/mo
Today · 4.125%
HK$27,914
baseline
▲ 0.50% · 4.625%
HK$29,613
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,828/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,222
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,006
−HK$795/mo
Today · 4.125%
HK$30,801
baseline
▲ 0.50% · 4.625%
HK$32,424
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,602/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,521
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,501
−HK$996/mo
Today · 4.125%
HK$33,497
baseline
▲ 0.50% · 4.625%
HK$35,535
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,994/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,066
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,007
−HK$954/mo
Today · 4.125%
HK$36,961
baseline
▲ 0.50% · 4.625%
HK$38,909
+HK$1,948/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,922/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,774
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,918
−HK$1,162/mo
Today · 4.125%
HK$39,080
baseline
▲ 0.50% · 4.625%
HK$41,458
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,160/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,911
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,008
−HK$1,113/mo
Today · 4.125%
HK$43,121
baseline
▲ 0.50% · 4.625%
HK$45,394
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,242/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,281
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,752
−HK$1,494/mo
Today · 4.125%
HK$50,246
baseline
▲ 0.50% · 4.625%
HK$53,303
+HK$3,057/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,492/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,600
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$54,010
−HK$1,431/mo
Today · 4.125%
HK$55,441
baseline
▲ 0.50% · 4.625%
HK$58,364
+HK$2,923/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,882/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,978 · Scale 2, in force from 26 Feb 2026)