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$26,250
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,066
−HK$830/mo
Today · 4.125%
HK$27,896
baseline
▲ 0.50% · 4.625%
HK$29,593
+HK$1,697/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,792/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,203
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$29,986
−HK$794/mo
Today · 4.125%
HK$30,780
baseline
▲ 0.50% · 4.625%
HK$32,403
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,560/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,500
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,479
−HK$996/mo
Today · 4.125%
HK$33,475
baseline
▲ 0.50% · 4.625%
HK$35,512
+HK$2,037/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$66,950/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,043
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,983
−HK$953/mo
Today · 4.125%
HK$36,936
baseline
▲ 0.50% · 4.625%
HK$38,883
+HK$1,947/mo
Deposit HK$4.60M · loan HK$6.91M · min. income ≈ HK$73,872/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,750
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,893
−HK$1,161/mo
Today · 4.125%
HK$39,054
baseline
▲ 0.50% · 4.625%
HK$41,430
+HK$2,376/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,108/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,884
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,980
−HK$1,112/mo
Today · 4.125%
HK$43,092
baseline
▲ 0.50% · 4.625%
HK$45,364
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,184/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,249
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,719
−HK$1,493/mo
Today · 4.125%
HK$50,212
baseline
▲ 0.50% · 4.625%
HK$53,268
+HK$3,056/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,424/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,565
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,974
−HK$1,430/mo
Today · 4.125%
HK$55,404
baseline
▲ 0.50% · 4.625%
HK$58,325
+HK$2,921/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,808/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,691 · Scale 2, in force from 26 Feb 2026)