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$26,289
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,107
−HK$831/mo
Today · 4.125%
HK$27,938
baseline
▲ 0.50% · 4.625%
HK$29,638
+HK$1,700/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,876/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,247
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,031
−HK$796/mo
Today · 4.125%
HK$30,827
baseline
▲ 0.50% · 4.625%
HK$32,452
+HK$1,625/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,654/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,547
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,529
−HK$997/mo
Today · 4.125%
HK$33,526
baseline
▲ 0.50% · 4.625%
HK$35,565
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,052/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,096
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,037
−HK$955/mo
Today · 4.125%
HK$36,992
baseline
▲ 0.50% · 4.625%
HK$38,942
+HK$1,950/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,984/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,805
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,950
−HK$1,163/mo
Today · 4.125%
HK$39,113
baseline
▲ 0.50% · 4.625%
HK$41,493
+HK$2,380/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,226/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,945
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,043
−HK$1,114/mo
Today · 4.125%
HK$43,157
baseline
▲ 0.50% · 4.625%
HK$45,432
+HK$2,275/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,314/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,321
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,793
−HK$1,495/mo
Today · 4.125%
HK$50,288
baseline
▲ 0.50% · 4.625%
HK$53,348
+HK$3,060/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,576/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,644
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,056
−HK$1,432/mo
Today · 4.125%
HK$55,488
baseline
▲ 0.50% · 4.625%
HK$58,413
+HK$2,925/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$110,976/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,343 · Scale 2, in force from 26 Feb 2026)