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$26,264
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,081
−HK$830/mo
Today · 4.125%
HK$27,911
baseline
▲ 0.50% · 4.625%
HK$29,609
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,822/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,218
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,002
−HK$795/mo
Today · 4.125%
HK$30,797
baseline
▲ 0.50% · 4.625%
HK$32,420
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,594/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,517
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,497
−HK$996/mo
Today · 4.125%
HK$33,493
baseline
▲ 0.50% · 4.625%
HK$35,531
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,986/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,062
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,003
−HK$953/mo
Today · 4.125%
HK$36,956
baseline
▲ 0.50% · 4.625%
HK$38,905
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,912/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,770
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,913
−HK$1,162/mo
Today · 4.125%
HK$39,075
baseline
▲ 0.50% · 4.625%
HK$41,453
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,150/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,906
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,003
−HK$1,113/mo
Today · 4.125%
HK$43,116
baseline
▲ 0.50% · 4.625%
HK$45,389
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,232/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,275
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,746
−HK$1,494/mo
Today · 4.125%
HK$50,240
baseline
▲ 0.50% · 4.625%
HK$53,297
+HK$3,057/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,480/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,593
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,004
−HK$1,431/mo
Today · 4.125%
HK$55,435
baseline
▲ 0.50% · 4.625%
HK$58,357
+HK$2,922/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,870/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,926 · Scale 2, in force from 26 Feb 2026)