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$26,190
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,004
−HK$828/mo
Today · 4.125%
HK$27,832
baseline
▲ 0.50% · 4.625%
HK$29,525
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,664/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,136
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,917
−HK$793/mo
Today · 4.125%
HK$30,710
baseline
▲ 0.50% · 4.625%
HK$32,328
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,420/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,427
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,405
−HK$993/mo
Today · 4.125%
HK$33,398
baseline
▲ 0.50% · 4.625%
HK$35,430
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,796/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,963
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,900
−HK$952/mo
Today · 4.125%
HK$36,852
baseline
▲ 0.50% · 4.625%
HK$38,794
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,704/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,665
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,806
−HK$1,159/mo
Today · 4.125%
HK$38,965
baseline
▲ 0.50% · 4.625%
HK$41,335
+HK$2,370/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,930/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,790
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,884
−HK$1,110/mo
Today · 4.125%
HK$42,994
baseline
▲ 0.50% · 4.625%
HK$45,260
+HK$2,266/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$85,988/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,141
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,608
−HK$1,489/mo
Today · 4.125%
HK$50,097
baseline
▲ 0.50% · 4.625%
HK$53,146
+HK$3,049/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,194/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,444
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,851
−HK$1,426/mo
Today · 4.125%
HK$55,277
baseline
▲ 0.50% · 4.625%
HK$58,191
+HK$2,914/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,554/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,701 · Scale 2, in force from 26 Feb 2026)