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$26,125
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,937
−HK$826/mo
Today · 4.125%
HK$27,763
baseline
▲ 0.50% · 4.625%
HK$29,452
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,526/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,064
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,843
−HK$791/mo
Today · 4.125%
HK$30,634
baseline
▲ 0.50% · 4.625%
HK$32,249
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,268/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,350
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,325
−HK$991/mo
Today · 4.125%
HK$33,316
baseline
▲ 0.50% · 4.625%
HK$35,343
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,632/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,876
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,812
−HK$949/mo
Today · 4.125%
HK$36,761
baseline
▲ 0.50% · 4.625%
HK$38,698
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,522/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,575
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,712
−HK$1,156/mo
Today · 4.125%
HK$38,868
baseline
▲ 0.50% · 4.625%
HK$41,233
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,736/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,689
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,780
−HK$1,107/mo
Today · 4.125%
HK$42,887
baseline
▲ 0.50% · 4.625%
HK$45,148
+HK$2,261/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,774/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,025
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,487
−HK$1,486/mo
Today · 4.125%
HK$49,973
baseline
▲ 0.50% · 4.625%
HK$53,014
+HK$3,041/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,946/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,314
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,717
−HK$1,424/mo
Today · 4.125%
HK$55,141
baseline
▲ 0.50% · 4.625%
HK$58,047
+HK$2,906/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,282/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,636 · Scale 2, in force from 26 Feb 2026)