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$26,379
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,200
−HK$833/mo
Today · 4.125%
HK$28,033
baseline
▲ 0.50% · 4.625%
HK$29,739
+HK$1,706/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,066/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,347
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,134
−HK$798/mo
Today · 4.125%
HK$30,932
baseline
▲ 0.50% · 4.625%
HK$32,563
+HK$1,631/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,864/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,655
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,640
−HK$1,000/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,687
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,216
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,160
−HK$959/mo
Today · 4.125%
HK$37,119
baseline
▲ 0.50% · 4.625%
HK$39,075
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,238/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,931
−HK$2,316/mo
▼ 0.25% · 3.875%
HK$38,080
−HK$1,167/mo
Today · 4.125%
HK$39,247
baseline
▲ 0.50% · 4.625%
HK$41,635
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,494/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,085
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,187
−HK$1,118/mo
Today · 4.125%
HK$43,305
baseline
▲ 0.50% · 4.625%
HK$45,588
+HK$2,283/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,610/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,483
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,960
−HK$1,500/mo
Today · 4.125%
HK$50,460
baseline
▲ 0.50% · 4.625%
HK$53,531
+HK$3,071/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,920/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,824
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,241
−HK$1,437/mo
Today · 4.125%
HK$55,678
baseline
▲ 0.50% · 4.625%
HK$58,613
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,356/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,820 · Scale 2, in force from 26 Feb 2026)