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$26,361
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,181
−HK$833/mo
Today · 4.125%
HK$28,014
baseline
▲ 0.50% · 4.625%
HK$29,719
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,028/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,327
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,113
−HK$798/mo
Today · 4.125%
HK$30,911
baseline
▲ 0.50% · 4.625%
HK$32,540
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,822/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,633
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,617
−HK$1,000/mo
Today · 4.125%
HK$33,617
baseline
▲ 0.50% · 4.625%
HK$35,663
+HK$2,046/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$67,234/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,192
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,136
−HK$957/mo
Today · 4.125%
HK$37,093
baseline
▲ 0.50% · 4.625%
HK$39,048
+HK$1,955/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$74,186/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,906
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,054
−HK$1,166/mo
Today · 4.125%
HK$39,220
baseline
▲ 0.50% · 4.625%
HK$41,606
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,440/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,057
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,158
−HK$1,117/mo
Today · 4.125%
HK$43,275
baseline
▲ 0.50% · 4.625%
HK$45,556
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,550/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,450
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,926
−HK$1,500/mo
Today · 4.125%
HK$50,426
baseline
▲ 0.50% · 4.625%
HK$53,494
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,852/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,788
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,203
−HK$1,437/mo
Today · 4.125%
HK$55,640
baseline
▲ 0.50% · 4.625%
HK$58,573
+HK$2,933/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,280/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,523 · Scale 2, in force from 26 Feb 2026)