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$26,273
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,090
−HK$831/mo
Today · 4.125%
HK$27,921
baseline
▲ 0.50% · 4.625%
HK$29,620
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,842/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,229
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,013
−HK$795/mo
Today · 4.125%
HK$30,808
baseline
▲ 0.50% · 4.625%
HK$32,432
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,616/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,528
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,509
−HK$996/mo
Today · 4.125%
HK$33,505
baseline
▲ 0.50% · 4.625%
HK$35,544
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,010/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,074
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,015
−HK$954/mo
Today · 4.125%
HK$36,969
baseline
▲ 0.50% · 4.625%
HK$38,918
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,938/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,783
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,927
−HK$1,162/mo
Today · 4.125%
HK$39,089
baseline
▲ 0.50% · 4.625%
HK$41,468
+HK$2,379/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,178/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,920
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,018
−HK$1,113/mo
Today · 4.125%
HK$43,131
baseline
▲ 0.50% · 4.625%
HK$45,404
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,262/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,292
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,763
−HK$1,494/mo
Today · 4.125%
HK$50,257
baseline
▲ 0.50% · 4.625%
HK$53,315
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,514/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,612
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,023
−HK$1,431/mo
Today · 4.125%
HK$55,454
baseline
▲ 0.50% · 4.625%
HK$58,377
+HK$2,923/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,908/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,077 · Scale 2, in force from 26 Feb 2026)