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$26,305
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,123
−HK$831/mo
Today · 4.125%
HK$27,954
baseline
▲ 0.50% · 4.625%
HK$29,655
+HK$1,701/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,908/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,264
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,049
−HK$796/mo
Today · 4.125%
HK$30,845
baseline
▲ 0.50% · 4.625%
HK$32,471
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,690/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,566
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,548
−HK$997/mo
Today · 4.125%
HK$33,545
baseline
▲ 0.50% · 4.625%
HK$35,586
+HK$2,041/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,090/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,117
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,058
−HK$956/mo
Today · 4.125%
HK$37,014
baseline
▲ 0.50% · 4.625%
HK$38,965
+HK$1,951/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$74,028/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,827
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,972
−HK$1,164/mo
Today · 4.125%
HK$39,136
baseline
▲ 0.50% · 4.625%
HK$41,517
+HK$2,381/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,272/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,969
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,068
−HK$1,115/mo
Today · 4.125%
HK$43,183
baseline
▲ 0.50% · 4.625%
HK$45,459
+HK$2,276/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,366/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,349
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,821
−HK$1,497/mo
Today · 4.125%
HK$50,318
baseline
▲ 0.50% · 4.625%
HK$53,380
+HK$3,062/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,636/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,675
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,088
−HK$1,433/mo
Today · 4.125%
HK$55,521
baseline
▲ 0.50% · 4.625%
HK$58,447
+HK$2,926/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,042/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,597 · Scale 2, in force from 26 Feb 2026)