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$26,122
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,934
−HK$826/mo
Today · 4.125%
HK$27,760
baseline
▲ 0.50% · 4.625%
HK$29,449
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,520/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,060
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,839
−HK$791/mo
Today · 4.125%
HK$30,630
baseline
▲ 0.50% · 4.625%
HK$32,245
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,260/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,346
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,321
−HK$991/mo
Today · 4.125%
HK$33,312
baseline
▲ 0.50% · 4.625%
HK$35,338
+HK$2,026/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,624/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,872
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,807
−HK$949/mo
Today · 4.125%
HK$36,756
baseline
▲ 0.50% · 4.625%
HK$38,693
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,512/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,570
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,708
−HK$1,155/mo
Today · 4.125%
HK$38,863
baseline
▲ 0.50% · 4.625%
HK$41,228
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,726/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,684
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,775
−HK$1,107/mo
Today · 4.125%
HK$42,882
baseline
▲ 0.50% · 4.625%
HK$45,142
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,764/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,019
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,481
−HK$1,486/mo
Today · 4.125%
HK$49,967
baseline
▲ 0.50% · 4.625%
HK$53,008
+HK$3,041/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,934/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,308
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,711
−HK$1,423/mo
Today · 4.125%
HK$55,134
baseline
▲ 0.50% · 4.625%
HK$58,040
+HK$2,906/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,268/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,583 · Scale 2, in force from 26 Feb 2026)