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$26,269
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,087
−HK$830/mo
Today · 4.125%
HK$27,917
baseline
▲ 0.50% · 4.625%
HK$29,615
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,834/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,225
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$30,008
−HK$795/mo
Today · 4.125%
HK$30,803
baseline
▲ 0.50% · 4.625%
HK$32,427
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,606/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,523
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,504
−HK$996/mo
Today · 4.125%
HK$33,500
baseline
▲ 0.50% · 4.625%
HK$35,539
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,000/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,069
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,010
−HK$954/mo
Today · 4.125%
HK$36,964
baseline
▲ 0.50% · 4.625%
HK$38,913
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,928/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,777
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,921
−HK$1,163/mo
Today · 4.125%
HK$39,084
baseline
▲ 0.50% · 4.625%
HK$41,462
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,168/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,914
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,012
−HK$1,113/mo
Today · 4.125%
HK$43,125
baseline
▲ 0.50% · 4.625%
HK$45,398
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,250/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,285
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,756
−HK$1,494/mo
Today · 4.125%
HK$50,250
baseline
▲ 0.50% · 4.625%
HK$53,308
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,500/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,604
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,015
−HK$1,431/mo
Today · 4.125%
HK$55,446
baseline
▲ 0.50% · 4.625%
HK$58,369
+HK$2,923/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,892/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,015 · Scale 2, in force from 26 Feb 2026)