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$26,339
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,159
−HK$832/mo
Today · 4.125%
HK$27,991
baseline
▲ 0.50% · 4.625%
HK$29,694
+HK$1,703/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$55,982/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,302
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,088
−HK$797/mo
Today · 4.125%
HK$30,885
baseline
▲ 0.50% · 4.625%
HK$32,513
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,770/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,607
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,590
−HK$999/mo
Today · 4.125%
HK$33,589
baseline
▲ 0.50% · 4.625%
HK$35,633
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,178/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,163
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,106
−HK$956/mo
Today · 4.125%
HK$37,062
baseline
▲ 0.50% · 4.625%
HK$39,016
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,124/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,875
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,022
−HK$1,165/mo
Today · 4.125%
HK$39,187
baseline
▲ 0.50% · 4.625%
HK$41,572
+HK$2,385/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,374/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,023
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,123
−HK$1,116/mo
Today · 4.125%
HK$43,239
baseline
▲ 0.50% · 4.625%
HK$45,519
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,478/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,411
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,885
−HK$1,499/mo
Today · 4.125%
HK$50,384
baseline
▲ 0.50% · 4.625%
HK$53,449
+HK$3,065/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,768/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,744
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,158
−HK$1,435/mo
Today · 4.125%
HK$55,593
baseline
▲ 0.50% · 4.625%
HK$58,524
+HK$2,931/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,186/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,163 · Scale 2, in force from 26 Feb 2026)