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$26,335
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,154
−HK$832/mo
Today · 4.125%
HK$27,986
baseline
▲ 0.50% · 4.625%
HK$29,689
+HK$1,703/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,972/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,297
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,083
−HK$797/mo
Today · 4.125%
HK$30,880
baseline
▲ 0.50% · 4.625%
HK$32,508
+HK$1,628/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,760/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,602
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,585
−HK$998/mo
Today · 4.125%
HK$33,583
baseline
▲ 0.50% · 4.625%
HK$35,627
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,166/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,156
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,099
−HK$957/mo
Today · 4.125%
HK$37,056
baseline
▲ 0.50% · 4.625%
HK$39,009
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,112/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,869
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,015
−HK$1,165/mo
Today · 4.125%
HK$39,180
baseline
▲ 0.50% · 4.625%
HK$41,565
+HK$2,385/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,360/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,016
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,116
−HK$1,116/mo
Today · 4.125%
HK$43,232
baseline
▲ 0.50% · 4.625%
HK$45,511
+HK$2,279/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,464/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,402
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,877
−HK$1,498/mo
Today · 4.125%
HK$50,375
baseline
▲ 0.50% · 4.625%
HK$53,440
+HK$3,065/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,750/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,735
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,149
−HK$1,435/mo
Today · 4.125%
HK$55,584
baseline
▲ 0.50% · 4.625%
HK$58,514
+HK$2,930/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,168/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,087 · Scale 2, in force from 26 Feb 2026)