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$26,154
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$827/mo
Today · 4.125%
HK$27,794
baseline
▲ 0.50% · 4.625%
HK$29,485
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,588/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,096
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,876
−HK$792/mo
Today · 4.125%
HK$30,668
baseline
▲ 0.50% · 4.625%
HK$32,285
+HK$1,617/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,336/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,385
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,361
−HK$992/mo
Today · 4.125%
HK$33,353
baseline
▲ 0.50% · 4.625%
HK$35,382
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,706/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,915
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,852
−HK$950/mo
Today · 4.125%
HK$36,802
baseline
▲ 0.50% · 4.625%
HK$38,741
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,604/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,616
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,754
−HK$1,158/mo
Today · 4.125%
HK$38,912
baseline
▲ 0.50% · 4.625%
HK$41,279
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,824/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,734
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,827
−HK$1,108/mo
Today · 4.125%
HK$42,935
baseline
▲ 0.50% · 4.625%
HK$45,198
+HK$2,263/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,870/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,077
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,541
−HK$1,488/mo
Today · 4.125%
HK$50,029
baseline
▲ 0.50% · 4.625%
HK$53,073
+HK$3,044/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,058/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,373
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,777
−HK$1,425/mo
Today · 4.125%
HK$55,202
baseline
▲ 0.50% · 4.625%
HK$58,112
+HK$2,910/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,404/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,116 · Scale 2, in force from 26 Feb 2026)