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$26,287
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,104
−HK$831/mo
Today · 4.125%
HK$27,935
baseline
▲ 0.50% · 4.625%
HK$29,635
+HK$1,700/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,870/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,244
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,028
−HK$796/mo
Today · 4.125%
HK$30,824
baseline
▲ 0.50% · 4.625%
HK$32,448
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,648/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,544
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,525
−HK$997/mo
Today · 4.125%
HK$33,522
baseline
▲ 0.50% · 4.625%
HK$35,562
+HK$2,040/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,044/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,092
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,034
−HK$954/mo
Today · 4.125%
HK$36,988
baseline
▲ 0.50% · 4.625%
HK$38,938
+HK$1,950/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,976/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,801
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,946
−HK$1,163/mo
Today · 4.125%
HK$39,109
baseline
▲ 0.50% · 4.625%
HK$41,489
+HK$2,380/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,218/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,941
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,039
−HK$1,114/mo
Today · 4.125%
HK$43,153
baseline
▲ 0.50% · 4.625%
HK$45,428
+HK$2,275/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,306/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,316
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,788
−HK$1,495/mo
Today · 4.125%
HK$50,283
baseline
▲ 0.50% · 4.625%
HK$53,343
+HK$3,060/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,566/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,639
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,050
−HK$1,433/mo
Today · 4.125%
HK$55,483
baseline
▲ 0.50% · 4.625%
HK$58,407
+HK$2,924/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$110,966/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,300 · Scale 2, in force from 26 Feb 2026)