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$26,198
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$27,012
−HK$828/mo
Today · 4.125%
HK$27,840
baseline
▲ 0.50% · 4.625%
HK$29,534
+HK$1,694/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,680/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,145
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,926
−HK$793/mo
Today · 4.125%
HK$30,719
baseline
▲ 0.50% · 4.625%
HK$32,338
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,438/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,437
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,415
−HK$993/mo
Today · 4.125%
HK$33,408
baseline
▲ 0.50% · 4.625%
HK$35,441
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$66,816/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,973
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,911
−HK$952/mo
Today · 4.125%
HK$36,863
baseline
▲ 0.50% · 4.625%
HK$38,806
+HK$1,943/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$73,726/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,677
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,817
−HK$1,160/mo
Today · 4.125%
HK$38,977
baseline
▲ 0.50% · 4.625%
HK$41,348
+HK$2,371/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,954/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,802
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,897
−HK$1,110/mo
Today · 4.125%
HK$43,007
baseline
▲ 0.50% · 4.625%
HK$45,274
+HK$2,267/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,014/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,156
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,622
−HK$1,491/mo
Today · 4.125%
HK$50,113
baseline
▲ 0.50% · 4.625%
HK$53,162
+HK$3,049/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,226/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,460
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,867
−HK$1,427/mo
Today · 4.125%
HK$55,294
baseline
▲ 0.50% · 4.625%
HK$58,209
+HK$2,915/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,588/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,833 · Scale 2, in force from 26 Feb 2026)