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$26,165
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,979
−HK$827/mo
Today · 4.125%
HK$27,806
baseline
▲ 0.50% · 4.625%
HK$29,498
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,612/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,108
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,889
−HK$792/mo
Today · 4.125%
HK$30,681
baseline
▲ 0.50% · 4.625%
HK$32,298
+HK$1,617/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,362/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,398
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,375
−HK$992/mo
Today · 4.125%
HK$33,367
baseline
▲ 0.50% · 4.625%
HK$35,397
+HK$2,030/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,734/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,930
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,867
−HK$950/mo
Today · 4.125%
HK$36,817
baseline
▲ 0.50% · 4.625%
HK$38,758
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,634/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,631
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,770
−HK$1,158/mo
Today · 4.125%
HK$38,928
baseline
▲ 0.50% · 4.625%
HK$41,297
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,856/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,752
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,844
−HK$1,109/mo
Today · 4.125%
HK$42,953
baseline
▲ 0.50% · 4.625%
HK$45,217
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,906/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,097
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,562
−HK$1,488/mo
Today · 4.125%
HK$50,050
baseline
▲ 0.50% · 4.625%
HK$53,096
+HK$3,046/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,100/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,395
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,800
−HK$1,426/mo
Today · 4.125%
HK$55,226
baseline
▲ 0.50% · 4.625%
HK$58,137
+HK$2,911/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,452/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,296 · Scale 2, in force from 26 Feb 2026)