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$26,191
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,006
−HK$828/mo
Today · 4.125%
HK$27,834
baseline
▲ 0.50% · 4.625%
HK$29,527
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,668/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,137
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$29,919
−HK$793/mo
Today · 4.125%
HK$30,712
baseline
▲ 0.50% · 4.625%
HK$32,330
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,424/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,429
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,407
−HK$993/mo
Today · 4.125%
HK$33,400
baseline
▲ 0.50% · 4.625%
HK$35,433
+HK$2,033/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,800/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,965
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,903
−HK$951/mo
Today · 4.125%
HK$36,854
baseline
▲ 0.50% · 4.625%
HK$38,797
+HK$1,943/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,708/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,668
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,808
−HK$1,159/mo
Today · 4.125%
HK$38,967
baseline
▲ 0.50% · 4.625%
HK$41,338
+HK$2,371/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,934/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,792
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,886
−HK$1,110/mo
Today · 4.125%
HK$42,996
baseline
▲ 0.50% · 4.625%
HK$45,263
+HK$2,267/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$85,992/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,144
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,611
−HK$1,489/mo
Today · 4.125%
HK$50,100
baseline
▲ 0.50% · 4.625%
HK$53,149
+HK$3,049/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,200/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,447
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,854
−HK$1,427/mo
Today · 4.125%
HK$55,281
baseline
▲ 0.50% · 4.625%
HK$58,195
+HK$2,914/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,562/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,728 · Scale 2, in force from 26 Feb 2026)