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$26,187
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,002
−HK$828/mo
Today · 4.125%
HK$27,830
baseline
▲ 0.50% · 4.625%
HK$29,523
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,660/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,133
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,915
−HK$792/mo
Today · 4.125%
HK$30,707
baseline
▲ 0.50% · 4.625%
HK$32,326
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,414/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,425
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,402
−HK$994/mo
Today · 4.125%
HK$33,396
baseline
▲ 0.50% · 4.625%
HK$35,428
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,792/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,960
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,898
−HK$951/mo
Today · 4.125%
HK$36,849
baseline
▲ 0.50% · 4.625%
HK$38,791
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,698/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,662
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,803
−HK$1,158/mo
Today · 4.125%
HK$38,961
baseline
▲ 0.50% · 4.625%
HK$41,332
+HK$2,371/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,922/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,787
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,880
−HK$1,110/mo
Today · 4.125%
HK$42,990
baseline
▲ 0.50% · 4.625%
HK$45,256
+HK$2,266/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$85,980/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,137
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,604
−HK$1,489/mo
Today · 4.125%
HK$50,093
baseline
▲ 0.50% · 4.625%
HK$53,141
+HK$3,048/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,186/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,440
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,846
−HK$1,427/mo
Today · 4.125%
HK$55,273
baseline
▲ 0.50% · 4.625%
HK$58,187
+HK$2,914/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,546/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,666 · Scale 2, in force from 26 Feb 2026)