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$26,257
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,074
−HK$829/mo
Today · 4.125%
HK$27,903
baseline
▲ 0.50% · 4.625%
HK$29,601
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,806/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,210
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$29,994
−HK$795/mo
Today · 4.125%
HK$30,789
baseline
▲ 0.50% · 4.625%
HK$32,412
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,578/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,508
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,488
−HK$996/mo
Today · 4.125%
HK$33,484
baseline
▲ 0.50% · 4.625%
HK$35,521
+HK$2,037/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,968/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,053
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,993
−HK$953/mo
Today · 4.125%
HK$36,946
baseline
▲ 0.50% · 4.625%
HK$38,894
+HK$1,948/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,892/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,760
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,903
−HK$1,162/mo
Today · 4.125%
HK$39,065
baseline
▲ 0.50% · 4.625%
HK$41,442
+HK$2,377/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,130/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,895
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,991
−HK$1,113/mo
Today · 4.125%
HK$43,104
baseline
▲ 0.50% · 4.625%
HK$45,376
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,208/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,262
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,732
−HK$1,494/mo
Today · 4.125%
HK$50,226
baseline
▲ 0.50% · 4.625%
HK$53,282
+HK$3,056/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,452/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,579
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,989
−HK$1,431/mo
Today · 4.125%
HK$55,420
baseline
▲ 0.50% · 4.625%
HK$58,341
+HK$2,921/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,840/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,808 · Scale 2, in force from 26 Feb 2026)