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$26,341
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,161
−HK$832/mo
Today · 4.125%
HK$27,993
baseline
▲ 0.50% · 4.625%
HK$29,696
+HK$1,703/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$55,986/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,304
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,090
−HK$798/mo
Today · 4.125%
HK$30,888
baseline
▲ 0.50% · 4.625%
HK$32,516
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,776/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,610
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,593
−HK$999/mo
Today · 4.125%
HK$33,592
baseline
▲ 0.50% · 4.625%
HK$35,636
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,184/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,165
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,108
−HK$957/mo
Today · 4.125%
HK$37,065
baseline
▲ 0.50% · 4.625%
HK$39,019
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,130/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,878
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,025
−HK$1,165/mo
Today · 4.125%
HK$39,190
baseline
▲ 0.50% · 4.625%
HK$41,575
+HK$2,385/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,380/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,026
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,127
−HK$1,116/mo
Today · 4.125%
HK$43,243
baseline
▲ 0.50% · 4.625%
HK$45,522
+HK$2,279/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,486/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,414
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,889
−HK$1,499/mo
Today · 4.125%
HK$50,388
baseline
▲ 0.50% · 4.625%
HK$53,454
+HK$3,066/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,776/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,748
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,163
−HK$1,435/mo
Today · 4.125%
HK$55,598
baseline
▲ 0.50% · 4.625%
HK$58,528
+HK$2,930/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,196/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,197 · Scale 2, in force from 26 Feb 2026)