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$26,136
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,949
−HK$826/mo
Today · 4.125%
HK$27,775
baseline
▲ 0.50% · 4.625%
HK$29,465
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,550/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,076
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,856
−HK$791/mo
Today · 4.125%
HK$30,647
baseline
▲ 0.50% · 4.625%
HK$32,263
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,294/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,364
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,339
−HK$991/mo
Today · 4.125%
HK$33,330
baseline
▲ 0.50% · 4.625%
HK$35,358
+HK$2,028/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$66,660/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,892
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,827
−HK$950/mo
Today · 4.125%
HK$36,777
baseline
▲ 0.50% · 4.625%
HK$38,715
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$73,554/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,591
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,729
−HK$1,156/mo
Today · 4.125%
HK$38,885
baseline
▲ 0.50% · 4.625%
HK$41,252
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,770/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,707
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,799
−HK$1,107/mo
Today · 4.125%
HK$42,906
baseline
▲ 0.50% · 4.625%
HK$45,168
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,812/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,045
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,509
−HK$1,487/mo
Today · 4.125%
HK$49,996
baseline
▲ 0.50% · 4.625%
HK$53,038
+HK$3,042/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$99,992/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,338
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,741
−HK$1,424/mo
Today · 4.125%
HK$55,165
baseline
▲ 0.50% · 4.625%
HK$58,073
+HK$2,908/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,330/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,826 · Scale 2, in force from 26 Feb 2026)