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$26,356
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,176
−HK$833/mo
Today · 4.125%
HK$28,009
baseline
▲ 0.50% · 4.625%
HK$29,713
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,018/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,321
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,107
−HK$798/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,534
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,627
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,611
−HK$999/mo
Today · 4.125%
HK$33,610
baseline
▲ 0.50% · 4.625%
HK$35,655
+HK$2,045/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,220/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,185
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,128
−HK$958/mo
Today · 4.125%
HK$37,086
baseline
▲ 0.50% · 4.625%
HK$39,041
+HK$1,955/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,172/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,898
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,046
−HK$1,166/mo
Today · 4.125%
HK$39,212
baseline
▲ 0.50% · 4.625%
HK$41,598
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,424/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,049
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,150
−HK$1,117/mo
Today · 4.125%
HK$43,267
baseline
▲ 0.50% · 4.625%
HK$45,547
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,534/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,441
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,916
−HK$1,499/mo
Today · 4.125%
HK$50,415
baseline
▲ 0.50% · 4.625%
HK$53,483
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,830/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,777
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,193
−HK$1,436/mo
Today · 4.125%
HK$55,629
baseline
▲ 0.50% · 4.625%
HK$58,561
+HK$2,932/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,258/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,436 · Scale 2, in force from 26 Feb 2026)