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$26,369
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,189
−HK$833/mo
Today · 4.125%
HK$28,022
baseline
▲ 0.50% · 4.625%
HK$29,727
+HK$1,705/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,044/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,335
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,122
−HK$798/mo
Today · 4.125%
HK$30,920
baseline
▲ 0.50% · 4.625%
HK$32,550
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,840/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,643
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,627
−HK$1,000/mo
Today · 4.125%
HK$33,627
baseline
▲ 0.50% · 4.625%
HK$35,673
+HK$2,046/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,254/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,202
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,146
−HK$958/mo
Today · 4.125%
HK$37,104
baseline
▲ 0.50% · 4.625%
HK$39,060
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,208/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,916
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,065
−HK$1,166/mo
Today · 4.125%
HK$39,231
baseline
▲ 0.50% · 4.625%
HK$41,618
+HK$2,387/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,462/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,069
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,170
−HK$1,118/mo
Today · 4.125%
HK$43,288
baseline
▲ 0.50% · 4.625%
HK$45,570
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,576/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,464
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,940
−HK$1,500/mo
Today · 4.125%
HK$50,440
baseline
▲ 0.50% · 4.625%
HK$53,509
+HK$3,069/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,880/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,803
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,219
−HK$1,437/mo
Today · 4.125%
HK$55,656
baseline
▲ 0.50% · 4.625%
HK$58,590
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,312/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,649 · Scale 2, in force from 26 Feb 2026)