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$26,175
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,989
−HK$827/mo
Today · 4.125%
HK$27,816
baseline
▲ 0.50% · 4.625%
HK$29,509
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,632/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,119
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,900
−HK$792/mo
Today · 4.125%
HK$30,692
baseline
▲ 0.50% · 4.625%
HK$32,310
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,384/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,410
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,387
−HK$992/mo
Today · 4.125%
HK$33,379
baseline
▲ 0.50% · 4.625%
HK$35,410
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,758/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,943
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,880
−HK$951/mo
Today · 4.125%
HK$36,831
baseline
▲ 0.50% · 4.625%
HK$38,772
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,662/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,645
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,784
−HK$1,158/mo
Today · 4.125%
HK$38,942
baseline
▲ 0.50% · 4.625%
HK$41,312
+HK$2,370/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,884/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,767
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,860
−HK$1,109/mo
Today · 4.125%
HK$42,969
baseline
▲ 0.50% · 4.625%
HK$45,234
+HK$2,265/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,938/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,114
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,580
−HK$1,489/mo
Today · 4.125%
HK$50,069
baseline
▲ 0.50% · 4.625%
HK$53,115
+HK$3,046/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,138/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,414
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,820
−HK$1,426/mo
Today · 4.125%
HK$55,246
baseline
▲ 0.50% · 4.625%
HK$58,158
+HK$2,912/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,492/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,456 · Scale 2, in force from 26 Feb 2026)