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$26,146
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$826/mo
Today · 4.125%
HK$27,785
baseline
▲ 0.50% · 4.625%
HK$29,476
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,570/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,087
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,867
−HK$791/mo
Today · 4.125%
HK$30,658
baseline
▲ 0.50% · 4.625%
HK$32,274
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,316/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,375
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,351
−HK$991/mo
Today · 4.125%
HK$33,342
baseline
▲ 0.50% · 4.625%
HK$35,371
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,684/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,904
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,840
−HK$950/mo
Today · 4.125%
HK$36,790
baseline
▲ 0.50% · 4.625%
HK$38,729
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,580/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,604
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,743
−HK$1,156/mo
Today · 4.125%
HK$38,899
baseline
▲ 0.50% · 4.625%
HK$41,266
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,798/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,722
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,814
−HK$1,108/mo
Today · 4.125%
HK$42,922
baseline
▲ 0.50% · 4.625%
HK$45,184
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,844/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,062
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,526
−HK$1,487/mo
Today · 4.125%
HK$50,013
baseline
▲ 0.50% · 4.625%
HK$53,057
+HK$3,044/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,026/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,356
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,760
−HK$1,425/mo
Today · 4.125%
HK$55,185
baseline
▲ 0.50% · 4.625%
HK$58,094
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,370/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,980 · Scale 2, in force from 26 Feb 2026)