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$26,190
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,005
−HK$828/mo
Today · 4.125%
HK$27,833
baseline
▲ 0.50% · 4.625%
HK$29,526
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,666/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,137
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,918
−HK$793/mo
Today · 4.125%
HK$30,711
baseline
▲ 0.50% · 4.625%
HK$32,330
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,422/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,429
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,406
−HK$993/mo
Today · 4.125%
HK$33,399
baseline
▲ 0.50% · 4.625%
HK$35,432
+HK$2,033/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,798/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,964
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,902
−HK$951/mo
Today · 4.125%
HK$36,853
baseline
▲ 0.50% · 4.625%
HK$38,796
+HK$1,943/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,706/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,667
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,807
−HK$1,159/mo
Today · 4.125%
HK$38,966
baseline
▲ 0.50% · 4.625%
HK$41,337
+HK$2,371/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,932/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,791
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,885
−HK$1,110/mo
Today · 4.125%
HK$42,995
baseline
▲ 0.50% · 4.625%
HK$45,261
+HK$2,266/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$85,990/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,143
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,609
−HK$1,490/mo
Today · 4.125%
HK$50,099
baseline
▲ 0.50% · 4.625%
HK$53,148
+HK$3,049/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,198/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,446
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,853
−HK$1,426/mo
Today · 4.125%
HK$55,279
baseline
▲ 0.50% · 4.625%
HK$58,193
+HK$2,914/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,558/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,717 · Scale 2, in force from 26 Feb 2026)