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$26,358
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,177
−HK$833/mo
Today · 4.125%
HK$28,010
baseline
▲ 0.50% · 4.625%
HK$29,715
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,020/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,323
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,109
−HK$798/mo
Today · 4.125%
HK$30,907
baseline
▲ 0.50% · 4.625%
HK$32,536
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,814/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,629
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,613
−HK$1,000/mo
Today · 4.125%
HK$33,613
baseline
▲ 0.50% · 4.625%
HK$35,658
+HK$2,045/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$67,226/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,187
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,131
−HK$957/mo
Today · 4.125%
HK$37,088
baseline
▲ 0.50% · 4.625%
HK$39,043
+HK$1,955/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$74,176/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,901
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,048
−HK$1,167/mo
Today · 4.125%
HK$39,215
baseline
▲ 0.50% · 4.625%
HK$41,601
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,430/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,052
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,153
−HK$1,117/mo
Today · 4.125%
HK$43,270
baseline
▲ 0.50% · 4.625%
HK$45,550
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,540/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,444
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,919
−HK$1,500/mo
Today · 4.125%
HK$50,419
baseline
▲ 0.50% · 4.625%
HK$53,487
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,838/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,781
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,196
−HK$1,436/mo
Today · 4.125%
HK$55,632
baseline
▲ 0.50% · 4.625%
HK$58,565
+HK$2,933/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,264/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,465 · Scale 2, in force from 26 Feb 2026)