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$26,381
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,202
−HK$834/mo
Today · 4.125%
HK$28,036
baseline
▲ 0.50% · 4.625%
HK$29,742
+HK$1,706/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,072/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,349
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,136
−HK$799/mo
Today · 4.125%
HK$30,935
baseline
▲ 0.50% · 4.625%
HK$32,565
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,870/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,658
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,642
−HK$1,001/mo
Today · 4.125%
HK$33,643
baseline
▲ 0.50% · 4.625%
HK$35,690
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,286/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,219
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,163
−HK$958/mo
Today · 4.125%
HK$37,121
baseline
▲ 0.50% · 4.625%
HK$39,078
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,242/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,934
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,083
−HK$1,167/mo
Today · 4.125%
HK$39,250
baseline
▲ 0.50% · 4.625%
HK$41,638
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,500/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,088
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,190
−HK$1,118/mo
Today · 4.125%
HK$43,308
baseline
▲ 0.50% · 4.625%
HK$45,591
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,616/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,486
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,963
−HK$1,501/mo
Today · 4.125%
HK$50,464
baseline
▲ 0.50% · 4.625%
HK$53,535
+HK$3,071/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,928/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,828
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,245
−HK$1,437/mo
Today · 4.125%
HK$55,682
baseline
▲ 0.50% · 4.625%
HK$58,617
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,364/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,854 · Scale 2, in force from 26 Feb 2026)