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$26,156
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,970
−HK$826/mo
Today · 4.125%
HK$27,796
baseline
▲ 0.50% · 4.625%
HK$29,488
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,592/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,098
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,879
−HK$792/mo
Today · 4.125%
HK$30,671
baseline
▲ 0.50% · 4.625%
HK$32,287
+HK$1,616/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,342/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,387
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,364
−HK$992/mo
Today · 4.125%
HK$33,356
baseline
▲ 0.50% · 4.625%
HK$35,385
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,712/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,918
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,855
−HK$950/mo
Today · 4.125%
HK$36,805
baseline
▲ 0.50% · 4.625%
HK$38,745
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,610/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,619
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,758
−HK$1,157/mo
Today · 4.125%
HK$38,915
baseline
▲ 0.50% · 4.625%
HK$41,283
+HK$2,368/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,830/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,738
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,830
−HK$1,109/mo
Today · 4.125%
HK$42,939
baseline
▲ 0.50% · 4.625%
HK$45,202
+HK$2,263/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,878/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,081
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,546
−HK$1,488/mo
Today · 4.125%
HK$50,034
baseline
▲ 0.50% · 4.625%
HK$53,078
+HK$3,044/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,068/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,377
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,782
−HK$1,425/mo
Today · 4.125%
HK$55,207
baseline
▲ 0.50% · 4.625%
HK$58,117
+HK$2,910/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,414/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,152 · Scale 2, in force from 26 Feb 2026)