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$26,167
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,981
−HK$827/mo
Today · 4.125%
HK$27,808
baseline
▲ 0.50% · 4.625%
HK$29,500
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,616/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,111
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,891
−HK$793/mo
Today · 4.125%
HK$30,684
baseline
▲ 0.50% · 4.625%
HK$32,301
+HK$1,617/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,368/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,401
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,377
−HK$993/mo
Today · 4.125%
HK$33,370
baseline
▲ 0.50% · 4.625%
HK$35,400
+HK$2,030/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,740/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,933
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,870
−HK$950/mo
Today · 4.125%
HK$36,820
baseline
▲ 0.50% · 4.625%
HK$38,761
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,640/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,634
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,774
−HK$1,157/mo
Today · 4.125%
HK$38,931
baseline
▲ 0.50% · 4.625%
HK$41,300
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,862/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,755
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,848
−HK$1,109/mo
Today · 4.125%
HK$42,957
baseline
▲ 0.50% · 4.625%
HK$45,221
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,914/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,101
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,566
−HK$1,489/mo
Today · 4.125%
HK$50,055
baseline
▲ 0.50% · 4.625%
HK$53,100
+HK$3,045/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,110/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,399
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,805
−HK$1,425/mo
Today · 4.125%
HK$55,230
baseline
▲ 0.50% · 4.625%
HK$58,142
+HK$2,912/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,460/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,334 · Scale 2, in force from 26 Feb 2026)