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$26,388
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,208
−HK$834/mo
Today · 4.125%
HK$28,042
baseline
▲ 0.50% · 4.625%
HK$29,749
+HK$1,707/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$56,084/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,356
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,143
−HK$799/mo
Today · 4.125%
HK$30,942
baseline
▲ 0.50% · 4.625%
HK$32,573
+HK$1,631/mo
Deposit HK$5.79M · loan HK$5.79M · min. income ≈ HK$61,884/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,665
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,650
−HK$1,001/mo
Today · 4.125%
HK$33,651
baseline
▲ 0.50% · 4.625%
HK$35,698
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,302/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,227
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,172
−HK$958/mo
Today · 4.125%
HK$37,130
baseline
▲ 0.50% · 4.625%
HK$39,088
+HK$1,958/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,260/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,943
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,092
−HK$1,167/mo
Today · 4.125%
HK$39,259
baseline
▲ 0.50% · 4.625%
HK$41,648
+HK$2,389/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,518/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,098
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,201
−HK$1,118/mo
Today · 4.125%
HK$43,319
baseline
▲ 0.50% · 4.625%
HK$45,602
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,638/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$433,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,498
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,975
−HK$1,501/mo
Today · 4.125%
HK$50,476
baseline
▲ 0.50% · 4.625%
HK$53,548
+HK$3,072/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,952/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,841
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,258
−HK$1,438/mo
Today · 4.125%
HK$55,696
baseline
▲ 0.50% · 4.625%
HK$58,631
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,392/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,958 · Scale 2, in force from 26 Feb 2026)