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$26,123
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,935
−HK$826/mo
Today · 4.125%
HK$27,761
baseline
▲ 0.50% · 4.625%
HK$29,450
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,522/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,061
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,841
−HK$790/mo
Today · 4.125%
HK$30,631
baseline
▲ 0.50% · 4.625%
HK$32,246
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,262/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,347
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,322
−HK$991/mo
Today · 4.125%
HK$33,313
baseline
▲ 0.50% · 4.625%
HK$35,340
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,626/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,873
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,809
−HK$949/mo
Today · 4.125%
HK$36,758
baseline
▲ 0.50% · 4.625%
HK$38,695
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,516/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,572
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,709
−HK$1,156/mo
Today · 4.125%
HK$38,865
baseline
▲ 0.50% · 4.625%
HK$41,230
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,730/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,686
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,777
−HK$1,107/mo
Today · 4.125%
HK$42,884
baseline
▲ 0.50% · 4.625%
HK$45,144
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,768/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,021
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,483
−HK$1,486/mo
Today · 4.125%
HK$49,969
baseline
▲ 0.50% · 4.625%
HK$53,010
+HK$3,041/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,938/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,310
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,713
−HK$1,423/mo
Today · 4.125%
HK$55,136
baseline
▲ 0.50% · 4.625%
HK$58,043
+HK$2,907/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,272/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,602 · Scale 2, in force from 26 Feb 2026)