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$26,270
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,088
−HK$830/mo
Today · 4.125%
HK$27,918
baseline
▲ 0.50% · 4.625%
HK$29,617
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,836/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,226
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,009
−HK$796/mo
Today · 4.125%
HK$30,805
baseline
▲ 0.50% · 4.625%
HK$32,428
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,610/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,525
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,505
−HK$996/mo
Today · 4.125%
HK$33,501
baseline
▲ 0.50% · 4.625%
HK$35,540
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,002/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,071
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,011
−HK$955/mo
Today · 4.125%
HK$36,966
baseline
▲ 0.50% · 4.625%
HK$38,914
+HK$1,948/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,932/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,779
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,923
−HK$1,162/mo
Today · 4.125%
HK$39,085
baseline
▲ 0.50% · 4.625%
HK$41,463
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,170/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,916
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,013
−HK$1,113/mo
Today · 4.125%
HK$43,126
baseline
▲ 0.50% · 4.625%
HK$45,400
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,252/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,287
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,758
−HK$1,494/mo
Today · 4.125%
HK$50,252
baseline
▲ 0.50% · 4.625%
HK$53,310
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,504/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,606
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,017
−HK$1,431/mo
Today · 4.125%
HK$55,448
baseline
▲ 0.50% · 4.625%
HK$58,371
+HK$2,923/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,896/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,032 · Scale 2, in force from 26 Feb 2026)