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$26,172
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,986
−HK$827/mo
Today · 4.125%
HK$27,813
baseline
▲ 0.50% · 4.625%
HK$29,506
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,626/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,116
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,897
−HK$792/mo
Today · 4.125%
HK$30,689
baseline
▲ 0.50% · 4.625%
HK$32,307
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,378/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,407
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,384
−HK$992/mo
Today · 4.125%
HK$33,376
baseline
▲ 0.50% · 4.625%
HK$35,407
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,752/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,940
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,877
−HK$950/mo
Today · 4.125%
HK$36,827
baseline
▲ 0.50% · 4.625%
HK$38,768
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,654/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,641
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,781
−HK$1,158/mo
Today · 4.125%
HK$38,939
baseline
▲ 0.50% · 4.625%
HK$41,308
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,878/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,763
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,856
−HK$1,109/mo
Today · 4.125%
HK$42,965
baseline
▲ 0.50% · 4.625%
HK$45,230
+HK$2,265/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,930/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,110
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,575
−HK$1,489/mo
Today · 4.125%
HK$50,064
baseline
▲ 0.50% · 4.625%
HK$53,110
+HK$3,046/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,128/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,409
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,815
−HK$1,426/mo
Today · 4.125%
HK$55,241
baseline
▲ 0.50% · 4.625%
HK$58,153
+HK$2,912/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,482/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,415 · Scale 2, in force from 26 Feb 2026)