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$26,368
−HK$1,654/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$433,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,335
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,121
−HK$798/mo
Today · 4.125%
HK$30,919
baseline
▲ 0.50% · 4.625%
HK$32,549
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,838/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,642
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,626
−HK$1,000/mo
Today · 4.125%
HK$33,626
baseline
▲ 0.50% · 4.625%
HK$35,672
+HK$2,046/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,252/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,202
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,146
−HK$957/mo
Today · 4.125%
HK$37,103
baseline
▲ 0.50% · 4.625%
HK$39,059
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,206/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,916
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,064
−HK$1,167/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$433,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,068
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,170
−HK$1,117/mo
Today · 4.125%
HK$43,287
baseline
▲ 0.50% · 4.625%
HK$45,569
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,574/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,463
−HK$2,977/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$433,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,802
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,218
−HK$1,437/mo
Today · 4.125%
HK$55,655
baseline
▲ 0.50% · 4.625%
HK$58,589
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,310/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,643 · Scale 2, in force from 26 Feb 2026)