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$26,312
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,131
−HK$831/mo
Today · 4.125%
HK$27,962
baseline
▲ 0.50% · 4.625%
HK$29,664
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,924/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,272
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,057
−HK$797/mo
Today · 4.125%
HK$30,854
baseline
▲ 0.50% · 4.625%
HK$32,480
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,708/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,575
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,557
−HK$998/mo
Today · 4.125%
HK$33,555
baseline
▲ 0.50% · 4.625%
HK$35,597
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$67,110/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,127
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,069
−HK$955/mo
Today · 4.125%
HK$37,024
baseline
▲ 0.50% · 4.625%
HK$38,976
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$74,048/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,837
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,983
−HK$1,164/mo
Today · 4.125%
HK$39,147
baseline
▲ 0.50% · 4.625%
HK$41,529
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,294/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,981
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,080
−HK$1,115/mo
Today · 4.125%
HK$43,195
baseline
▲ 0.50% · 4.625%
HK$45,472
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,390/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,362
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,835
−HK$1,497/mo
Today · 4.125%
HK$50,332
baseline
▲ 0.50% · 4.625%
HK$53,395
+HK$3,063/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,664/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,690
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,103
−HK$1,434/mo
Today · 4.125%
HK$55,537
baseline
▲ 0.50% · 4.625%
HK$58,464
+HK$2,927/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,074/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,721 · Scale 2, in force from 26 Feb 2026)