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$26,157
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,971
−HK$826/mo
Today · 4.125%
HK$27,797
baseline
▲ 0.50% · 4.625%
HK$29,489
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,594/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,099
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,880
−HK$792/mo
Today · 4.125%
HK$30,672
baseline
▲ 0.50% · 4.625%
HK$32,288
+HK$1,616/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,344/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,388
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,365
−HK$992/mo
Today · 4.125%
HK$33,357
baseline
▲ 0.50% · 4.625%
HK$35,386
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,714/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,919
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,856
−HK$950/mo
Today · 4.125%
HK$36,806
baseline
▲ 0.50% · 4.625%
HK$38,746
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,612/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,620
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,759
−HK$1,157/mo
Today · 4.125%
HK$38,916
baseline
▲ 0.50% · 4.625%
HK$41,284
+HK$2,368/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,832/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,739
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,832
−HK$1,108/mo
Today · 4.125%
HK$42,940
baseline
▲ 0.50% · 4.625%
HK$45,204
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,880/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,083
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,547
−HK$1,488/mo
Today · 4.125%
HK$50,035
baseline
▲ 0.50% · 4.625%
HK$53,080
+HK$3,045/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,070/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,379
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,784
−HK$1,425/mo
Today · 4.125%
HK$55,209
baseline
▲ 0.50% · 4.625%
HK$58,119
+HK$2,910/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,418/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,166 · Scale 2, in force from 26 Feb 2026)