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$26,126
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,939
−HK$826/mo
Today · 4.125%
HK$27,765
baseline
▲ 0.50% · 4.625%
HK$29,454
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,530/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,065
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,845
−HK$791/mo
Today · 4.125%
HK$30,636
baseline
▲ 0.50% · 4.625%
HK$32,250
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,272/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,352
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,327
−HK$991/mo
Today · 4.125%
HK$33,318
baseline
▲ 0.50% · 4.625%
HK$35,345
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,636/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,878
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,814
−HK$949/mo
Today · 4.125%
HK$36,763
baseline
▲ 0.50% · 4.625%
HK$38,701
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,526/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,577
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,715
−HK$1,156/mo
Today · 4.125%
HK$38,871
baseline
▲ 0.50% · 4.625%
HK$41,236
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,742/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,691
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,783
−HK$1,107/mo
Today · 4.125%
HK$42,890
baseline
▲ 0.50% · 4.625%
HK$45,151
+HK$2,261/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,780/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,027
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,490
−HK$1,487/mo
Today · 4.125%
HK$49,977
baseline
▲ 0.50% · 4.625%
HK$53,017
+HK$3,040/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,954/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,318
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,721
−HK$1,423/mo
Today · 4.125%
HK$55,144
baseline
▲ 0.50% · 4.625%
HK$58,051
+HK$2,907/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,288/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,662 · Scale 2, in force from 26 Feb 2026)