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$26,170
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,984
−HK$827/mo
Today · 4.125%
HK$27,811
baseline
▲ 0.50% · 4.625%
HK$29,504
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,622/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,114
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,895
−HK$792/mo
Today · 4.125%
HK$30,687
baseline
▲ 0.50% · 4.625%
HK$32,305
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,374/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,404
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,381
−HK$993/mo
Today · 4.125%
HK$33,374
baseline
▲ 0.50% · 4.625%
HK$35,404
+HK$2,030/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,748/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,937
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,874
−HK$950/mo
Today · 4.125%
HK$36,824
baseline
▲ 0.50% · 4.625%
HK$38,765
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,648/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,638
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,778
−HK$1,158/mo
Today · 4.125%
HK$38,936
baseline
▲ 0.50% · 4.625%
HK$41,305
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,872/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,760
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,853
−HK$1,109/mo
Today · 4.125%
HK$42,962
baseline
▲ 0.50% · 4.625%
HK$45,226
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,924/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,106
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,572
−HK$1,488/mo
Today · 4.125%
HK$50,060
baseline
▲ 0.50% · 4.625%
HK$53,106
+HK$3,046/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,120/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,405
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,811
−HK$1,426/mo
Today · 4.125%
HK$55,237
baseline
▲ 0.50% · 4.625%
HK$58,148
+HK$2,911/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,474/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,383 · Scale 2, in force from 26 Feb 2026)