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$26,257
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,074
−HK$830/mo
Today · 4.125%
HK$27,904
baseline
▲ 0.50% · 4.625%
HK$29,602
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,808/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,211
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,994
−HK$795/mo
Today · 4.125%
HK$30,789
baseline
▲ 0.50% · 4.625%
HK$32,412
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,578/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,509
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,489
−HK$996/mo
Today · 4.125%
HK$33,485
baseline
▲ 0.50% · 4.625%
HK$35,522
+HK$2,037/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,970/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,053
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,993
−HK$954/mo
Today · 4.125%
HK$36,947
baseline
▲ 0.50% · 4.625%
HK$38,894
+HK$1,947/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,894/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,760
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,904
−HK$1,161/mo
Today · 4.125%
HK$39,065
baseline
▲ 0.50% · 4.625%
HK$41,442
+HK$2,377/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,130/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,895
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,992
−HK$1,113/mo
Today · 4.125%
HK$43,105
baseline
▲ 0.50% · 4.625%
HK$45,377
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,210/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,263
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,733
−HK$1,494/mo
Today · 4.125%
HK$50,227
baseline
▲ 0.50% · 4.625%
HK$53,283
+HK$3,056/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,454/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,580
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,990
−HK$1,430/mo
Today · 4.125%
HK$55,420
baseline
▲ 0.50% · 4.625%
HK$58,342
+HK$2,922/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,840/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,814 · Scale 2, in force from 26 Feb 2026)