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$26,179
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,993
−HK$827/mo
Today · 4.125%
HK$27,820
baseline
▲ 0.50% · 4.625%
HK$29,513
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,640/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,123
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$793/mo
Today · 4.125%
HK$30,697
baseline
▲ 0.50% · 4.625%
HK$32,315
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,394/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,414
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,391
−HK$993/mo
Today · 4.125%
HK$33,384
baseline
▲ 0.50% · 4.625%
HK$35,416
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,768/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,948
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,885
−HK$951/mo
Today · 4.125%
HK$36,836
baseline
▲ 0.50% · 4.625%
HK$38,778
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,672/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,650
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,790
−HK$1,158/mo
Today · 4.125%
HK$38,948
baseline
▲ 0.50% · 4.625%
HK$41,318
+HK$2,370/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,896/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,773
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,866
−HK$1,109/mo
Today · 4.125%
HK$42,975
baseline
▲ 0.50% · 4.625%
HK$45,241
+HK$2,266/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,950/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,121
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,587
−HK$1,489/mo
Today · 4.125%
HK$50,076
baseline
▲ 0.50% · 4.625%
HK$53,123
+HK$3,047/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,152/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,422
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,828
−HK$1,426/mo
Today · 4.125%
HK$55,254
baseline
▲ 0.50% · 4.625%
HK$58,167
+HK$2,913/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,508/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,520 · Scale 2, in force from 26 Feb 2026)