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$26,365
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,185
−HK$833/mo
Today · 4.125%
HK$28,018
baseline
▲ 0.50% · 4.625%
HK$29,723
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,036/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,331
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,117
−HK$798/mo
Today · 4.125%
HK$30,915
baseline
▲ 0.50% · 4.625%
HK$32,545
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,830/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,638
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,622
−HK$1,000/mo
Today · 4.125%
HK$33,622
baseline
▲ 0.50% · 4.625%
HK$35,668
+HK$2,046/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$67,244/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,197
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,141
−HK$957/mo
Today · 4.125%
HK$37,098
baseline
▲ 0.50% · 4.625%
HK$39,054
+HK$1,956/mo
Deposit HK$4.62M · loan HK$6.94M · min. income ≈ HK$74,196/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,911
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,059
−HK$1,166/mo
Today · 4.125%
HK$39,225
baseline
▲ 0.50% · 4.625%
HK$41,612
+HK$2,387/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,450/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,063
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,164
−HK$1,117/mo
Today · 4.125%
HK$43,281
baseline
▲ 0.50% · 4.625%
HK$45,563
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,562/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,457
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,933
−HK$1,500/mo
Today · 4.125%
HK$50,433
baseline
▲ 0.50% · 4.625%
HK$53,501
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,866/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,795
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,211
−HK$1,436/mo
Today · 4.125%
HK$55,647
baseline
▲ 0.50% · 4.625%
HK$58,581
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,294/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,583 · Scale 2, in force from 26 Feb 2026)