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$26,166
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,980
−HK$827/mo
Today · 4.125%
HK$27,807
baseline
▲ 0.50% · 4.625%
HK$29,499
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,614/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,109
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,890
−HK$792/mo
Today · 4.125%
HK$30,682
baseline
▲ 0.50% · 4.625%
HK$32,299
+HK$1,617/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,364/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,399
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,376
−HK$992/mo
Today · 4.125%
HK$33,368
baseline
▲ 0.50% · 4.625%
HK$35,398
+HK$2,030/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,736/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,931
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,868
−HK$950/mo
Today · 4.125%
HK$36,818
baseline
▲ 0.50% · 4.625%
HK$38,759
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,636/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,632
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,772
−HK$1,157/mo
Today · 4.125%
HK$38,929
baseline
▲ 0.50% · 4.625%
HK$41,298
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,858/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,753
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,846
−HK$1,109/mo
Today · 4.125%
HK$42,955
baseline
▲ 0.50% · 4.625%
HK$45,219
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,910/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,098
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,563
−HK$1,489/mo
Today · 4.125%
HK$50,052
baseline
▲ 0.50% · 4.625%
HK$53,097
+HK$3,045/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,104/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,396
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,802
−HK$1,425/mo
Today · 4.125%
HK$55,227
baseline
▲ 0.50% · 4.625%
HK$58,138
+HK$2,911/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,454/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,310 · Scale 2, in force from 26 Feb 2026)