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$26,120
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,932
−HK$826/mo
Today · 4.125%
HK$27,758
baseline
▲ 0.50% · 4.625%
HK$29,447
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,516/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,058
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,837
−HK$791/mo
Today · 4.125%
HK$30,628
baseline
▲ 0.50% · 4.625%
HK$32,242
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,256/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,344
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,319
−HK$990/mo
Today · 4.125%
HK$33,309
baseline
▲ 0.50% · 4.625%
HK$35,336
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,618/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,870
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,805
−HK$948/mo
Today · 4.125%
HK$36,753
baseline
▲ 0.50% · 4.625%
HK$38,691
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,506/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,568
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,705
−HK$1,156/mo
Today · 4.125%
HK$38,861
baseline
▲ 0.50% · 4.625%
HK$41,225
+HK$2,364/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,722/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,681
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,772
−HK$1,107/mo
Today · 4.125%
HK$42,879
baseline
▲ 0.50% · 4.625%
HK$45,139
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,758/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,016
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,478
−HK$1,486/mo
Today · 4.125%
HK$49,964
baseline
▲ 0.50% · 4.625%
HK$53,004
+HK$3,040/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,928/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,304
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,707
−HK$1,423/mo
Today · 4.125%
HK$55,130
baseline
▲ 0.50% · 4.625%
HK$58,036
+HK$2,906/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,260/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,553 · Scale 2, in force from 26 Feb 2026)