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$26,345
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,164
−HK$833/mo
Today · 4.125%
HK$27,997
baseline
▲ 0.50% · 4.625%
HK$29,700
+HK$1,703/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$55,994/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,308
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,094
−HK$798/mo
Today · 4.125%
HK$30,892
baseline
▲ 0.50% · 4.625%
HK$32,520
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,784/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,614
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,597
−HK$999/mo
Today · 4.125%
HK$33,596
baseline
▲ 0.50% · 4.625%
HK$35,640
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,192/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,170
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,113
−HK$957/mo
Today · 4.125%
HK$37,070
baseline
▲ 0.50% · 4.625%
HK$39,024
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,140/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,883
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,030
−HK$1,165/mo
Today · 4.125%
HK$39,195
baseline
▲ 0.50% · 4.625%
HK$41,580
+HK$2,385/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,390/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,032
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,132
−HK$1,116/mo
Today · 4.125%
HK$43,248
baseline
▲ 0.50% · 4.625%
HK$45,528
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,496/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,421
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,896
−HK$1,498/mo
Today · 4.125%
HK$50,394
baseline
▲ 0.50% · 4.625%
HK$53,461
+HK$3,067/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,788/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,755
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,170
−HK$1,435/mo
Today · 4.125%
HK$55,605
baseline
▲ 0.50% · 4.625%
HK$58,536
+HK$2,931/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,210/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,253 · Scale 2, in force from 26 Feb 2026)