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$26,278
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,096
−HK$830/mo
Today · 4.125%
HK$27,926
baseline
▲ 0.50% · 4.625%
HK$29,626
+HK$1,700/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,852/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,235
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,019
−HK$795/mo
Today · 4.125%
HK$30,814
baseline
▲ 0.50% · 4.625%
HK$32,438
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,628/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,534
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,515
−HK$997/mo
Today · 4.125%
HK$33,512
baseline
▲ 0.50% · 4.625%
HK$35,551
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,024/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,081
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,022
−HK$955/mo
Today · 4.125%
HK$36,977
baseline
▲ 0.50% · 4.625%
HK$38,926
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,954/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,790
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,934
−HK$1,163/mo
Today · 4.125%
HK$39,097
baseline
▲ 0.50% · 4.625%
HK$41,476
+HK$2,379/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,194/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,928
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,026
−HK$1,114/mo
Today · 4.125%
HK$43,140
baseline
▲ 0.50% · 4.625%
HK$45,414
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,280/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,301
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,773
−HK$1,494/mo
Today · 4.125%
HK$50,267
baseline
▲ 0.50% · 4.625%
HK$53,326
+HK$3,059/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,534/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,622
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,033
−HK$1,432/mo
Today · 4.125%
HK$55,465
baseline
▲ 0.50% · 4.625%
HK$58,389
+HK$2,924/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,930/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,164 · Scale 2, in force from 26 Feb 2026)