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$26,287
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,105
−HK$831/mo
Today · 4.125%
HK$27,936
baseline
▲ 0.50% · 4.625%
HK$29,635
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,872/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,244
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,028
−HK$796/mo
Today · 4.125%
HK$30,824
baseline
▲ 0.50% · 4.625%
HK$32,449
+HK$1,625/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,648/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,545
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,526
−HK$997/mo
Today · 4.125%
HK$33,523
baseline
▲ 0.50% · 4.625%
HK$35,562
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,046/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,093
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,034
−HK$955/mo
Today · 4.125%
HK$36,989
baseline
▲ 0.50% · 4.625%
HK$38,939
+HK$1,950/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,978/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,802
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,947
−HK$1,163/mo
Today · 4.125%
HK$39,110
baseline
▲ 0.50% · 4.625%
HK$41,490
+HK$2,380/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,220/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,942
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,040
−HK$1,114/mo
Today · 4.125%
HK$43,154
baseline
▲ 0.50% · 4.625%
HK$45,429
+HK$2,275/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,308/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,317
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,789
−HK$1,495/mo
Today · 4.125%
HK$50,284
baseline
▲ 0.50% · 4.625%
HK$53,344
+HK$3,060/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,568/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,640
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,051
−HK$1,432/mo
Today · 4.125%
HK$55,483
baseline
▲ 0.50% · 4.625%
HK$58,408
+HK$2,925/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$110,966/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,306 · Scale 2, in force from 26 Feb 2026)