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$26,300
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,118
−HK$832/mo
Today · 4.125%
HK$27,950
baseline
▲ 0.50% · 4.625%
HK$29,650
+HK$1,700/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,900/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,259
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,043
−HK$797/mo
Today · 4.125%
HK$30,840
baseline
▲ 0.50% · 4.625%
HK$32,465
+HK$1,625/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,680/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,560
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,542
−HK$997/mo
Today · 4.125%
HK$33,539
baseline
▲ 0.50% · 4.625%
HK$35,580
+HK$2,041/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,078/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,111
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,052
−HK$955/mo
Today · 4.125%
HK$37,007
baseline
▲ 0.50% · 4.625%
HK$38,958
+HK$1,951/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$74,014/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,820
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,966
−HK$1,163/mo
Today · 4.125%
HK$39,129
baseline
▲ 0.50% · 4.625%
HK$41,510
+HK$2,381/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,258/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,962
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,061
−HK$1,114/mo
Today · 4.125%
HK$43,175
baseline
▲ 0.50% · 4.625%
HK$45,451
+HK$2,276/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,350/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,340
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,813
−HK$1,496/mo
Today · 4.125%
HK$50,309
baseline
▲ 0.50% · 4.625%
HK$53,370
+HK$3,061/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,618/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,666
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,078
−HK$1,433/mo
Today · 4.125%
HK$55,511
baseline
▲ 0.50% · 4.625%
HK$58,437
+HK$2,926/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,022/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,522 · Scale 2, in force from 26 Feb 2026)