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$26,182
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,996
−HK$828/mo
Today · 4.125%
HK$27,824
baseline
▲ 0.50% · 4.625%
HK$29,517
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,648/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,127
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,908
−HK$793/mo
Today · 4.125%
HK$30,701
baseline
▲ 0.50% · 4.625%
HK$32,319
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,402/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,418
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,396
−HK$993/mo
Today · 4.125%
HK$33,389
baseline
▲ 0.50% · 4.625%
HK$35,420
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,778/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,953
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,890
−HK$951/mo
Today · 4.125%
HK$36,841
baseline
▲ 0.50% · 4.625%
HK$38,783
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,682/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,655
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,795
−HK$1,158/mo
Today · 4.125%
HK$38,953
baseline
▲ 0.50% · 4.625%
HK$41,324
+HK$2,371/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,906/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,778
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,872
−HK$1,109/mo
Today · 4.125%
HK$42,981
baseline
▲ 0.50% · 4.625%
HK$45,247
+HK$2,266/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,962/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,128
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,593
−HK$1,490/mo
Today · 4.125%
HK$50,083
baseline
▲ 0.50% · 4.625%
HK$53,130
+HK$3,047/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,166/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,429
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,835
−HK$1,426/mo
Today · 4.125%
HK$55,261
baseline
▲ 0.50% · 4.625%
HK$58,174
+HK$2,913/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,522/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,576 · Scale 2, in force from 26 Feb 2026)