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$26,143
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,956
−HK$827/mo
Today · 4.125%
HK$27,783
baseline
▲ 0.50% · 4.625%
HK$29,473
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,566/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,084
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,864
−HK$791/mo
Today · 4.125%
HK$30,655
baseline
▲ 0.50% · 4.625%
HK$32,271
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,310/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,372
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,348
−HK$991/mo
Today · 4.125%
HK$33,339
baseline
▲ 0.50% · 4.625%
HK$35,368
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,678/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,901
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,837
−HK$949/mo
Today · 4.125%
HK$36,786
baseline
▲ 0.50% · 4.625%
HK$38,726
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,572/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,600
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,739
−HK$1,157/mo
Today · 4.125%
HK$38,896
baseline
▲ 0.50% · 4.625%
HK$41,262
+HK$2,366/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,792/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,718
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,810
−HK$1,108/mo
Today · 4.125%
HK$42,918
baseline
▲ 0.50% · 4.625%
HK$45,180
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,836/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,058
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,522
−HK$1,487/mo
Today · 4.125%
HK$50,009
baseline
▲ 0.50% · 4.625%
HK$53,052
+HK$3,043/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,018/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,351
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,755
−HK$1,425/mo
Today · 4.125%
HK$55,180
baseline
▲ 0.50% · 4.625%
HK$58,088
+HK$2,908/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,360/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,939 · Scale 2, in force from 26 Feb 2026)