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$26,193
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,008
−HK$828/mo
Today · 4.125%
HK$27,836
baseline
▲ 0.50% · 4.625%
HK$29,530
+HK$1,694/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,672/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,140
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,921
−HK$793/mo
Today · 4.125%
HK$30,714
baseline
▲ 0.50% · 4.625%
HK$32,333
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,428/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,432
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,410
−HK$993/mo
Today · 4.125%
HK$33,403
baseline
▲ 0.50% · 4.625%
HK$35,436
+HK$2,033/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,806/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,968
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,906
−HK$951/mo
Today · 4.125%
HK$36,857
baseline
▲ 0.50% · 4.625%
HK$38,800
+HK$1,943/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,714/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,671
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,811
−HK$1,159/mo
Today · 4.125%
HK$38,970
baseline
▲ 0.50% · 4.625%
HK$41,341
+HK$2,371/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,940/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,796
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,890
−HK$1,110/mo
Today · 4.125%
HK$43,000
baseline
▲ 0.50% · 4.625%
HK$45,266
+HK$2,266/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,000/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,148
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,615
−HK$1,490/mo
Today · 4.125%
HK$50,105
baseline
▲ 0.50% · 4.625%
HK$53,153
+HK$3,048/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,210/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,452
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,858
−HK$1,427/mo
Today · 4.125%
HK$55,285
baseline
▲ 0.50% · 4.625%
HK$58,200
+HK$2,915/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,570/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,763 · Scale 2, in force from 26 Feb 2026)