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$26,114
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,926
−HK$825/mo
Today · 4.125%
HK$27,751
baseline
▲ 0.50% · 4.625%
HK$29,440
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,502/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,051
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,830
−HK$791/mo
Today · 4.125%
HK$30,621
baseline
▲ 0.50% · 4.625%
HK$32,235
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,242/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,336
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,311
−HK$990/mo
Today · 4.125%
HK$33,301
baseline
▲ 0.50% · 4.625%
HK$35,328
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,602/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,861
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,796
−HK$949/mo
Today · 4.125%
HK$36,745
baseline
▲ 0.50% · 4.625%
HK$38,682
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,490/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,559
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,696
−HK$1,156/mo
Today · 4.125%
HK$38,852
baseline
▲ 0.50% · 4.625%
HK$41,216
+HK$2,364/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,704/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,672
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,762
−HK$1,107/mo
Today · 4.125%
HK$42,869
baseline
▲ 0.50% · 4.625%
HK$45,129
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,738/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,005
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,467
−HK$1,485/mo
Today · 4.125%
HK$49,952
baseline
▲ 0.50% · 4.625%
HK$52,992
+HK$3,040/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,904/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,292
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,695
−HK$1,422/mo
Today · 4.125%
HK$55,117
baseline
▲ 0.50% · 4.625%
HK$58,023
+HK$2,906/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,234/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,453 · Scale 2, in force from 26 Feb 2026)