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$26,373
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,193
−HK$833/mo
Today · 4.125%
HK$28,026
baseline
▲ 0.50% · 4.625%
HK$29,732
+HK$1,706/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,052/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,339
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,126
−HK$798/mo
Today · 4.125%
HK$30,924
baseline
▲ 0.50% · 4.625%
HK$32,554
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,848/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,647
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,631
−HK$1,001/mo
Today · 4.125%
HK$33,632
baseline
▲ 0.50% · 4.625%
HK$35,678
+HK$2,046/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,264/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,207
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,151
−HK$958/mo
Today · 4.125%
HK$37,109
baseline
▲ 0.50% · 4.625%
HK$39,065
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,218/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,922
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,070
−HK$1,167/mo
Today · 4.125%
HK$39,237
baseline
▲ 0.50% · 4.625%
HK$41,624
+HK$2,387/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,474/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,075
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,176
−HK$1,118/mo
Today · 4.125%
HK$43,294
baseline
▲ 0.50% · 4.625%
HK$45,576
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,588/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,471
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,947
−HK$1,500/mo
Today · 4.125%
HK$50,447
baseline
▲ 0.50% · 4.625%
HK$53,517
+HK$3,070/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,894/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,810
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,227
−HK$1,437/mo
Today · 4.125%
HK$55,664
baseline
▲ 0.50% · 4.625%
HK$58,598
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,328/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,710 · Scale 2, in force from 26 Feb 2026)