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$26,286
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,103
−HK$831/mo
Today · 4.125%
HK$27,934
baseline
▲ 0.50% · 4.625%
HK$29,634
+HK$1,700/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,868/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,242
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,027
−HK$795/mo
Today · 4.125%
HK$30,822
baseline
▲ 0.50% · 4.625%
HK$32,447
+HK$1,625/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,644/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,543
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,524
−HK$997/mo
Today · 4.125%
HK$33,521
baseline
▲ 0.50% · 4.625%
HK$35,560
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,042/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,091
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,032
−HK$955/mo
Today · 4.125%
HK$36,987
baseline
▲ 0.50% · 4.625%
HK$38,936
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,974/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,800
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,944
−HK$1,163/mo
Today · 4.125%
HK$39,107
baseline
▲ 0.50% · 4.625%
HK$41,487
+HK$2,380/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,214/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,939
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,037
−HK$1,114/mo
Today · 4.125%
HK$43,151
baseline
▲ 0.50% · 4.625%
HK$45,426
+HK$2,275/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,302/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,314
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,786
−HK$1,495/mo
Today · 4.125%
HK$50,281
baseline
▲ 0.50% · 4.625%
HK$53,341
+HK$3,060/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,562/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,636
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,048
−HK$1,432/mo
Today · 4.125%
HK$55,480
baseline
▲ 0.50% · 4.625%
HK$58,405
+HK$2,925/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,960/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,281 · Scale 2, in force from 26 Feb 2026)