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$26,357
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,177
−HK$833/mo
Today · 4.125%
HK$28,010
baseline
▲ 0.50% · 4.625%
HK$29,714
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,020/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,322
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,109
−HK$797/mo
Today · 4.125%
HK$30,906
baseline
▲ 0.50% · 4.625%
HK$32,536
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,812/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,613
−HK$999/mo
Today · 4.125%
HK$33,612
baseline
▲ 0.50% · 4.625%
HK$35,657
+HK$2,045/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$67,224/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,187
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,130
−HK$958/mo
Today · 4.125%
HK$37,088
baseline
▲ 0.50% · 4.625%
HK$39,043
+HK$1,955/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$74,176/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,900
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,048
−HK$1,166/mo
Today · 4.125%
HK$39,214
baseline
▲ 0.50% · 4.625%
HK$41,600
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,428/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,051
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,152
−HK$1,117/mo
Today · 4.125%
HK$43,269
baseline
▲ 0.50% · 4.625%
HK$45,550
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,538/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,443
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,919
−HK$1,499/mo
Today · 4.125%
HK$50,418
baseline
▲ 0.50% · 4.625%
HK$53,486
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,836/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,780
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,196
−HK$1,436/mo
Today · 4.125%
HK$55,632
baseline
▲ 0.50% · 4.625%
HK$58,564
+HK$2,932/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,264/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,460 · Scale 2, in force from 26 Feb 2026)