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$26,134
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,947
−HK$826/mo
Today · 4.125%
HK$27,773
baseline
▲ 0.50% · 4.625%
HK$29,463
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,546/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,074
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,853
−HK$791/mo
Today · 4.125%
HK$30,644
baseline
▲ 0.50% · 4.625%
HK$32,260
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,288/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,361
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,336
−HK$991/mo
Today · 4.125%
HK$33,327
baseline
▲ 0.50% · 4.625%
HK$35,355
+HK$2,028/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$66,654/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,888
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,824
−HK$949/mo
Today · 4.125%
HK$36,773
baseline
▲ 0.50% · 4.625%
HK$38,712
+HK$1,939/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$73,546/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,587
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,725
−HK$1,157/mo
Today · 4.125%
HK$38,882
baseline
▲ 0.50% · 4.625%
HK$41,248
+HK$2,366/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,764/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,703
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,795
−HK$1,107/mo
Today · 4.125%
HK$42,902
baseline
▲ 0.50% · 4.625%
HK$45,164
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,804/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,041
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,504
−HK$1,487/mo
Today · 4.125%
HK$49,991
baseline
▲ 0.50% · 4.625%
HK$53,033
+HK$3,042/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,982/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,333
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,736
−HK$1,424/mo
Today · 4.125%
HK$55,160
baseline
▲ 0.50% · 4.625%
HK$58,067
+HK$2,907/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,320/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,785 · Scale 2, in force from 26 Feb 2026)