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$26,188
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,003
−HK$828/mo
Today · 4.125%
HK$27,831
baseline
▲ 0.50% · 4.625%
HK$29,524
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,662/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,134
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,916
−HK$792/mo
Today · 4.125%
HK$30,708
baseline
▲ 0.50% · 4.625%
HK$32,327
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,416/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,426
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,404
−HK$993/mo
Today · 4.125%
HK$33,397
baseline
▲ 0.50% · 4.625%
HK$35,429
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,794/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,961
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,899
−HK$951/mo
Today · 4.125%
HK$36,850
baseline
▲ 0.50% · 4.625%
HK$38,792
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,700/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,664
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,804
−HK$1,159/mo
Today · 4.125%
HK$38,963
baseline
▲ 0.50% · 4.625%
HK$41,334
+HK$2,371/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,926/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,788
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,882
−HK$1,110/mo
Today · 4.125%
HK$42,992
baseline
▲ 0.50% · 4.625%
HK$45,258
+HK$2,266/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$85,984/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,139
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,605
−HK$1,490/mo
Today · 4.125%
HK$50,095
baseline
▲ 0.50% · 4.625%
HK$53,143
+HK$3,048/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,190/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,442
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,848
−HK$1,427/mo
Today · 4.125%
HK$55,275
baseline
▲ 0.50% · 4.625%
HK$58,189
+HK$2,914/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,550/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,682 · Scale 2, in force from 26 Feb 2026)