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$26,328
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,147
−HK$832/mo
Today · 4.125%
HK$27,979
baseline
▲ 0.50% · 4.625%
HK$29,682
+HK$1,703/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,958/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,290
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,075
−HK$797/mo
Today · 4.125%
HK$30,872
baseline
▲ 0.50% · 4.625%
HK$32,500
+HK$1,628/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,744/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,594
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,577
−HK$998/mo
Today · 4.125%
HK$33,575
baseline
▲ 0.50% · 4.625%
HK$35,618
+HK$2,043/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,150/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,148
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,091
−HK$956/mo
Today · 4.125%
HK$37,047
baseline
▲ 0.50% · 4.625%
HK$39,000
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,094/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,860
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,006
−HK$1,165/mo
Today · 4.125%
HK$39,171
baseline
▲ 0.50% · 4.625%
HK$41,554
+HK$2,383/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,342/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,006
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,106
−HK$1,115/mo
Today · 4.125%
HK$43,221
baseline
▲ 0.50% · 4.625%
HK$45,500
+HK$2,279/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,442/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,391
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,865
−HK$1,498/mo
Today · 4.125%
HK$50,363
baseline
▲ 0.50% · 4.625%
HK$53,427
+HK$3,064/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,726/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,722
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,136
−HK$1,434/mo
Today · 4.125%
HK$55,570
baseline
▲ 0.50% · 4.625%
HK$58,499
+HK$2,929/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,140/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,982 · Scale 2, in force from 26 Feb 2026)