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$26,261
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,078
−HK$830/mo
Today · 4.125%
HK$27,908
baseline
▲ 0.50% · 4.625%
HK$29,606
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,816/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,215
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$29,999
−HK$795/mo
Today · 4.125%
HK$30,794
baseline
▲ 0.50% · 4.625%
HK$32,417
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,588/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,514
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,494
−HK$996/mo
Today · 4.125%
HK$33,490
baseline
▲ 0.50% · 4.625%
HK$35,528
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,980/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,059
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,999
−HK$954/mo
Today · 4.125%
HK$36,953
baseline
▲ 0.50% · 4.625%
HK$38,900
+HK$1,947/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,906/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,766
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,909
−HK$1,162/mo
Today · 4.125%
HK$39,071
baseline
▲ 0.50% · 4.625%
HK$41,449
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,142/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,902
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,999
−HK$1,112/mo
Today · 4.125%
HK$43,111
baseline
▲ 0.50% · 4.625%
HK$45,384
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,222/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,270
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,741
−HK$1,494/mo
Today · 4.125%
HK$50,235
baseline
▲ 0.50% · 4.625%
HK$53,291
+HK$3,056/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,470/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,588
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,998
−HK$1,431/mo
Today · 4.125%
HK$55,429
baseline
▲ 0.50% · 4.625%
HK$58,351
+HK$2,922/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,858/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,881 · Scale 2, in force from 26 Feb 2026)