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$26,152
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,966
−HK$826/mo
Today · 4.125%
HK$27,792
baseline
▲ 0.50% · 4.625%
HK$29,483
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,584/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,094
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,874
−HK$792/mo
Today · 4.125%
HK$30,666
baseline
▲ 0.50% · 4.625%
HK$32,282
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,332/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,383
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,359
−HK$992/mo
Today · 4.125%
HK$33,351
baseline
▲ 0.50% · 4.625%
HK$35,380
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,702/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,913
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,849
−HK$950/mo
Today · 4.125%
HK$36,799
baseline
▲ 0.50% · 4.625%
HK$38,739
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,598/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,613
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,752
−HK$1,157/mo
Today · 4.125%
HK$38,909
baseline
▲ 0.50% · 4.625%
HK$41,276
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,818/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,732
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,824
−HK$1,108/mo
Today · 4.125%
HK$42,932
baseline
▲ 0.50% · 4.625%
HK$45,195
+HK$2,263/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,864/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,074
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,538
−HK$1,488/mo
Today · 4.125%
HK$50,026
baseline
▲ 0.50% · 4.625%
HK$53,070
+HK$3,044/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,052/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,369
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,774
−HK$1,425/mo
Today · 4.125%
HK$55,199
baseline
▲ 0.50% · 4.625%
HK$58,108
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,398/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,086 · Scale 2, in force from 26 Feb 2026)