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$26,155
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,969
−HK$827/mo
Today · 4.125%
HK$27,796
baseline
▲ 0.50% · 4.625%
HK$29,487
+HK$1,691/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,592/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,098
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,878
−HK$792/mo
Today · 4.125%
HK$30,670
baseline
▲ 0.50% · 4.625%
HK$32,286
+HK$1,616/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,340/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,386
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,363
−HK$992/mo
Today · 4.125%
HK$33,355
baseline
▲ 0.50% · 4.625%
HK$35,384
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,710/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,917
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,854
−HK$950/mo
Today · 4.125%
HK$36,804
baseline
▲ 0.50% · 4.625%
HK$38,744
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,608/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,617
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,757
−HK$1,157/mo
Today · 4.125%
HK$38,914
baseline
▲ 0.50% · 4.625%
HK$41,282
+HK$2,368/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,828/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,737
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,829
−HK$1,108/mo
Today · 4.125%
HK$42,937
baseline
▲ 0.50% · 4.625%
HK$45,201
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,874/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,080
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,544
−HK$1,488/mo
Today · 4.125%
HK$50,032
baseline
▲ 0.50% · 4.625%
HK$53,076
+HK$3,044/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,064/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,376
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,780
−HK$1,425/mo
Today · 4.125%
HK$55,205
baseline
▲ 0.50% · 4.625%
HK$58,115
+HK$2,910/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,410/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,139 · Scale 2, in force from 26 Feb 2026)