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$26,179
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,994
−HK$827/mo
Today · 4.125%
HK$27,821
baseline
▲ 0.50% · 4.625%
HK$29,514
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,642/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,124
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,905
−HK$793/mo
Today · 4.125%
HK$30,698
baseline
▲ 0.50% · 4.625%
HK$32,316
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,396/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,415
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,392
−HK$993/mo
Today · 4.125%
HK$33,385
baseline
▲ 0.50% · 4.625%
HK$35,416
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,770/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,949
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,886
−HK$951/mo
Today · 4.125%
HK$36,837
baseline
▲ 0.50% · 4.625%
HK$38,779
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,674/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,651
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,791
−HK$1,158/mo
Today · 4.125%
HK$38,949
baseline
▲ 0.50% · 4.625%
HK$41,319
+HK$2,370/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,898/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,774
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,867
−HK$1,110/mo
Today · 4.125%
HK$42,977
baseline
▲ 0.50% · 4.625%
HK$45,242
+HK$2,265/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,954/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,123
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,588
−HK$1,490/mo
Today · 4.125%
HK$50,078
baseline
▲ 0.50% · 4.625%
HK$53,125
+HK$3,047/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,156/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,423
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,829
−HK$1,427/mo
Today · 4.125%
HK$55,256
baseline
▲ 0.50% · 4.625%
HK$58,168
+HK$2,912/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,512/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,531 · Scale 2, in force from 26 Feb 2026)