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$26,318
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,137
−HK$831/mo
Today · 4.125%
HK$27,968
baseline
▲ 0.50% · 4.625%
HK$29,670
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,936/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,279
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,064
−HK$796/mo
Today · 4.125%
HK$30,860
baseline
▲ 0.50% · 4.625%
HK$32,487
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,720/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,582
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,564
−HK$998/mo
Today · 4.125%
HK$33,562
baseline
▲ 0.50% · 4.625%
HK$35,604
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,124/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,134
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,077
−HK$956/mo
Today · 4.125%
HK$37,033
baseline
▲ 0.50% · 4.625%
HK$38,985
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,066/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,845
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,991
−HK$1,165/mo
Today · 4.125%
HK$39,156
baseline
▲ 0.50% · 4.625%
HK$41,538
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,312/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,990
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,089
−HK$1,116/mo
Today · 4.125%
HK$43,205
baseline
▲ 0.50% · 4.625%
HK$45,482
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,410/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,373
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,846
−HK$1,497/mo
Today · 4.125%
HK$50,343
baseline
▲ 0.50% · 4.625%
HK$53,407
+HK$3,064/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,686/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,702
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,115
−HK$1,434/mo
Today · 4.125%
HK$55,549
baseline
▲ 0.50% · 4.625%
HK$58,477
+HK$2,928/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,098/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,816 · Scale 2, in force from 26 Feb 2026)