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$26,110
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,923
−HK$825/mo
Today · 4.125%
HK$27,748
baseline
▲ 0.50% · 4.625%
HK$29,436
+HK$1,688/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,496/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,048
−HK$1,569/mo
▼ 0.25% · 3.875%
HK$29,827
−HK$790/mo
Today · 4.125%
HK$30,617
baseline
▲ 0.50% · 4.625%
HK$32,231
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,234/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,333
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,307
−HK$990/mo
Today · 4.125%
HK$33,297
baseline
▲ 0.50% · 4.625%
HK$35,323
+HK$2,026/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,594/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,857
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,792
−HK$948/mo
Today · 4.125%
HK$36,740
baseline
▲ 0.50% · 4.625%
HK$38,677
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,480/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,555
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,692
−HK$1,155/mo
Today · 4.125%
HK$38,847
baseline
▲ 0.50% · 4.625%
HK$41,211
+HK$2,364/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,694/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,667
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,757
−HK$1,107/mo
Today · 4.125%
HK$42,864
baseline
▲ 0.50% · 4.625%
HK$45,123
+HK$2,259/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,728/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,999
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,461
−HK$1,485/mo
Today · 4.125%
HK$49,946
baseline
▲ 0.50% · 4.625%
HK$52,985
+HK$3,039/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,892/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,286
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,688
−HK$1,423/mo
Today · 4.125%
HK$55,111
baseline
▲ 0.50% · 4.625%
HK$58,016
+HK$2,905/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,222/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,401 · Scale 2, in force from 26 Feb 2026)