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$26,319
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,137
−HK$832/mo
Today · 4.125%
HK$27,969
baseline
▲ 0.50% · 4.625%
HK$29,671
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,938/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,279
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,065
−HK$796/mo
Today · 4.125%
HK$30,861
baseline
▲ 0.50% · 4.625%
HK$32,488
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,722/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,582
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,565
−HK$998/mo
Today · 4.125%
HK$33,563
baseline
▲ 0.50% · 4.625%
HK$35,605
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,126/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,135
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,077
−HK$956/mo
Today · 4.125%
HK$37,033
baseline
▲ 0.50% · 4.625%
HK$38,985
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,066/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,846
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,992
−HK$1,165/mo
Today · 4.125%
HK$39,157
baseline
▲ 0.50% · 4.625%
HK$41,539
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,314/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,991
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,090
−HK$1,116/mo
Today · 4.125%
HK$43,206
baseline
▲ 0.50% · 4.625%
HK$45,483
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,412/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,374
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,847
−HK$1,497/mo
Today · 4.125%
HK$50,344
baseline
▲ 0.50% · 4.625%
HK$53,408
+HK$3,064/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,688/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,703
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,116
−HK$1,434/mo
Today · 4.125%
HK$55,550
baseline
▲ 0.50% · 4.625%
HK$58,478
+HK$2,928/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,100/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,825 · Scale 2, in force from 26 Feb 2026)