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$26,307
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,125
−HK$832/mo
Today · 4.125%
HK$27,957
baseline
▲ 0.50% · 4.625%
HK$29,658
+HK$1,701/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,914/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,266
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,051
−HK$797/mo
Today · 4.125%
HK$30,848
baseline
▲ 0.50% · 4.625%
HK$32,474
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,696/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,569
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,550
−HK$998/mo
Today · 4.125%
HK$33,548
baseline
▲ 0.50% · 4.625%
HK$35,589
+HK$2,041/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,096/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,120
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,062
−HK$955/mo
Today · 4.125%
HK$37,017
baseline
▲ 0.50% · 4.625%
HK$38,968
+HK$1,951/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$74,034/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,830
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,976
−HK$1,163/mo
Today · 4.125%
HK$39,139
baseline
▲ 0.50% · 4.625%
HK$41,521
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,278/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,973
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,072
−HK$1,115/mo
Today · 4.125%
HK$43,187
baseline
▲ 0.50% · 4.625%
HK$45,463
+HK$2,276/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,374/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,353
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,826
−HK$1,496/mo
Today · 4.125%
HK$50,322
baseline
▲ 0.50% · 4.625%
HK$53,384
+HK$3,062/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,644/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,679
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,092
−HK$1,434/mo
Today · 4.125%
HK$55,526
baseline
▲ 0.50% · 4.625%
HK$58,452
+HK$2,926/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,052/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,634 · Scale 2, in force from 26 Feb 2026)