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$26,332
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,151
−HK$833/mo
Today · 4.125%
HK$27,984
baseline
▲ 0.50% · 4.625%
HK$29,686
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,968/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,294
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,080
−HK$797/mo
Today · 4.125%
HK$30,877
baseline
▲ 0.50% · 4.625%
HK$32,505
+HK$1,628/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,754/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,599
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,582
−HK$998/mo
Today · 4.125%
HK$33,580
baseline
▲ 0.50% · 4.625%
HK$35,624
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,160/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,153
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,096
−HK$957/mo
Today · 4.125%
HK$37,053
baseline
▲ 0.50% · 4.625%
HK$39,006
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,106/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,865
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,012
−HK$1,165/mo
Today · 4.125%
HK$39,177
baseline
▲ 0.50% · 4.625%
HK$41,561
+HK$2,384/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,354/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,012
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,112
−HK$1,116/mo
Today · 4.125%
HK$43,228
baseline
▲ 0.50% · 4.625%
HK$45,507
+HK$2,279/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,456/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,398
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,873
−HK$1,497/mo
Today · 4.125%
HK$50,370
baseline
▲ 0.50% · 4.625%
HK$53,435
+HK$3,065/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,740/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,730
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,144
−HK$1,435/mo
Today · 4.125%
HK$55,579
baseline
▲ 0.50% · 4.625%
HK$58,508
+HK$2,929/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,158/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,049 · Scale 2, in force from 26 Feb 2026)