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$26,253
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,070
−HK$829/mo
Today · 4.125%
HK$27,899
baseline
▲ 0.50% · 4.625%
HK$29,597
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,798/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,206
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,990
−HK$794/mo
Today · 4.125%
HK$30,784
baseline
▲ 0.50% · 4.625%
HK$32,407
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,568/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,504
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,484
−HK$995/mo
Today · 4.125%
HK$33,479
baseline
▲ 0.50% · 4.625%
HK$35,516
+HK$2,037/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,958/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,048
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,988
−HK$953/mo
Today · 4.125%
HK$36,941
baseline
▲ 0.50% · 4.625%
HK$38,888
+HK$1,947/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,882/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,754
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,898
−HK$1,161/mo
Today · 4.125%
HK$39,059
baseline
▲ 0.50% · 4.625%
HK$41,436
+HK$2,377/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,118/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,889
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,986
−HK$1,112/mo
Today · 4.125%
HK$43,098
baseline
▲ 0.50% · 4.625%
HK$45,370
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,196/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,256
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,726
−HK$1,493/mo
Today · 4.125%
HK$50,219
baseline
▲ 0.50% · 4.625%
HK$53,275
+HK$3,056/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,438/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,571
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,981
−HK$1,431/mo
Today · 4.125%
HK$55,412
baseline
▲ 0.50% · 4.625%
HK$58,333
+HK$2,921/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,824/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,747 · Scale 2, in force from 26 Feb 2026)