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$26,158
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,972
−HK$826/mo
Today · 4.125%
HK$27,798
baseline
▲ 0.50% · 4.625%
HK$29,490
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,596/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,101
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,881
−HK$792/mo
Today · 4.125%
HK$30,673
baseline
▲ 0.50% · 4.625%
HK$32,290
+HK$1,617/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,346/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,390
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,366
−HK$992/mo
Today · 4.125%
HK$33,358
baseline
▲ 0.50% · 4.625%
HK$35,388
+HK$2,030/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,716/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,921
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,857
−HK$950/mo
Today · 4.125%
HK$36,807
baseline
▲ 0.50% · 4.625%
HK$38,748
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,614/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,621
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,761
−HK$1,157/mo
Today · 4.125%
HK$38,918
baseline
▲ 0.50% · 4.625%
HK$41,286
+HK$2,368/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,836/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,741
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,834
−HK$1,108/mo
Today · 4.125%
HK$42,942
baseline
▲ 0.50% · 4.625%
HK$45,206
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,884/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,085
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,549
−HK$1,488/mo
Today · 4.125%
HK$50,037
baseline
▲ 0.50% · 4.625%
HK$53,082
+HK$3,045/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,074/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,381
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,786
−HK$1,425/mo
Today · 4.125%
HK$55,211
baseline
▲ 0.50% · 4.625%
HK$58,121
+HK$2,910/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,422/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,184 · Scale 2, in force from 26 Feb 2026)