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$26,187
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,001
−HK$828/mo
Today · 4.125%
HK$27,829
baseline
▲ 0.50% · 4.625%
HK$29,522
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,658/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,132
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,914
−HK$792/mo
Today · 4.125%
HK$30,706
baseline
▲ 0.50% · 4.625%
HK$32,325
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,412/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,424
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,402
−HK$993/mo
Today · 4.125%
HK$33,395
baseline
▲ 0.50% · 4.625%
HK$35,427
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,790/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,959
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,897
−HK$951/mo
Today · 4.125%
HK$36,848
baseline
▲ 0.50% · 4.625%
HK$38,790
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,696/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,661
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,802
−HK$1,158/mo
Today · 4.125%
HK$38,960
baseline
▲ 0.50% · 4.625%
HK$41,331
+HK$2,371/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,920/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,785
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,879
−HK$1,110/mo
Today · 4.125%
HK$42,989
baseline
▲ 0.50% · 4.625%
HK$45,255
+HK$2,266/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$85,978/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,136
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,602
−HK$1,490/mo
Today · 4.125%
HK$50,092
baseline
▲ 0.50% · 4.625%
HK$53,140
+HK$3,048/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,184/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,438
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,845
−HK$1,426/mo
Today · 4.125%
HK$55,271
baseline
▲ 0.50% · 4.625%
HK$58,185
+HK$2,914/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,542/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,655 · Scale 2, in force from 26 Feb 2026)