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$26,376
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,197
−HK$833/mo
Today · 4.125%
HK$28,030
baseline
▲ 0.50% · 4.625%
HK$29,736
+HK$1,706/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,060/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,344
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,131
−HK$798/mo
Today · 4.125%
HK$30,929
baseline
▲ 0.50% · 4.625%
HK$32,559
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,858/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,652
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,636
−HK$1,001/mo
Today · 4.125%
HK$33,637
baseline
▲ 0.50% · 4.625%
HK$35,683
+HK$2,046/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,274/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,212
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,157
−HK$958/mo
Today · 4.125%
HK$37,115
baseline
▲ 0.50% · 4.625%
HK$39,071
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,230/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,927
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,076
−HK$1,167/mo
Today · 4.125%
HK$39,243
baseline
▲ 0.50% · 4.625%
HK$41,631
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,486/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,081
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,183
−HK$1,117/mo
Today · 4.125%
HK$43,300
baseline
▲ 0.50% · 4.625%
HK$45,583
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,600/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,478
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,954
−HK$1,501/mo
Today · 4.125%
HK$50,455
baseline
▲ 0.50% · 4.625%
HK$53,525
+HK$3,070/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,910/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,818
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,235
−HK$1,437/mo
Today · 4.125%
HK$55,672
baseline
▲ 0.50% · 4.625%
HK$58,607
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,344/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,775 · Scale 2, in force from 26 Feb 2026)