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$26,168
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,982
−HK$827/mo
Today · 4.125%
HK$27,809
baseline
▲ 0.50% · 4.625%
HK$29,501
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,618/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,112
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,892
−HK$792/mo
Today · 4.125%
HK$30,684
baseline
▲ 0.50% · 4.625%
HK$32,302
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,368/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,402
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,378
−HK$993/mo
Today · 4.125%
HK$33,371
baseline
▲ 0.50% · 4.625%
HK$35,401
+HK$2,030/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,742/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,934
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,871
−HK$950/mo
Today · 4.125%
HK$36,821
baseline
▲ 0.50% · 4.625%
HK$38,762
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,642/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,635
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,775
−HK$1,158/mo
Today · 4.125%
HK$38,933
baseline
▲ 0.50% · 4.625%
HK$41,302
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,866/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,756
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,849
−HK$1,109/mo
Today · 4.125%
HK$42,958
baseline
▲ 0.50% · 4.625%
HK$45,223
+HK$2,265/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,916/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,102
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,568
−HK$1,488/mo
Today · 4.125%
HK$50,056
baseline
▲ 0.50% · 4.625%
HK$53,102
+HK$3,046/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,112/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,401
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,806
−HK$1,426/mo
Today · 4.125%
HK$55,232
baseline
▲ 0.50% · 4.625%
HK$58,143
+HK$2,911/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,464/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,347 · Scale 2, in force from 26 Feb 2026)