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$26,354
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,173
−HK$833/mo
Today · 4.125%
HK$28,006
baseline
▲ 0.50% · 4.625%
HK$29,710
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,012/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,318
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,105
−HK$797/mo
Today · 4.125%
HK$30,902
baseline
▲ 0.50% · 4.625%
HK$32,531
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,804/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,624
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,608
−HK$1,000/mo
Today · 4.125%
HK$33,608
baseline
▲ 0.50% · 4.625%
HK$35,653
+HK$2,045/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,216/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,182
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,125
−HK$958/mo
Today · 4.125%
HK$37,083
baseline
▲ 0.50% · 4.625%
HK$39,037
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,166/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,895
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,043
−HK$1,166/mo
Today · 4.125%
HK$39,209
baseline
▲ 0.50% · 4.625%
HK$41,595
+HK$2,386/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,418/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,046
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,146
−HK$1,117/mo
Today · 4.125%
HK$43,263
baseline
▲ 0.50% · 4.625%
HK$45,544
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,526/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,437
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,912
−HK$1,499/mo
Today · 4.125%
HK$50,411
baseline
▲ 0.50% · 4.625%
HK$53,479
+HK$3,068/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,822/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,773
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,188
−HK$1,436/mo
Today · 4.125%
HK$55,624
baseline
▲ 0.50% · 4.625%
HK$58,556
+HK$2,932/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,248/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,401 · Scale 2, in force from 26 Feb 2026)