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$26,368
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,188
−HK$833/mo
Today · 4.125%
HK$28,021
baseline
▲ 0.50% · 4.625%
HK$29,726
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,042/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,334
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,120
−HK$799/mo
Today · 4.125%
HK$30,919
baseline
▲ 0.50% · 4.625%
HK$32,548
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,838/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,641
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,625
−HK$1,000/mo
Today · 4.125%
HK$33,625
baseline
▲ 0.50% · 4.625%
HK$35,671
+HK$2,046/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,250/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,200
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,145
−HK$957/mo
Today · 4.125%
HK$37,102
baseline
▲ 0.50% · 4.625%
HK$39,058
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,204/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,915
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,063
−HK$1,167/mo
Today · 4.125%
HK$39,230
baseline
▲ 0.50% · 4.625%
HK$41,617
+HK$2,387/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,460/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,067
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,169
−HK$1,117/mo
Today · 4.125%
HK$43,286
baseline
▲ 0.50% · 4.625%
HK$45,568
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,572/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,462
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,938
−HK$1,500/mo
Today · 4.125%
HK$50,438
baseline
▲ 0.50% · 4.625%
HK$53,507
+HK$3,069/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,876/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,801
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,217
−HK$1,436/mo
Today · 4.125%
HK$55,653
baseline
▲ 0.50% · 4.625%
HK$58,587
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,306/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,630 · Scale 2, in force from 26 Feb 2026)