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$26,333
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,152
−HK$832/mo
Today · 4.125%
HK$27,984
baseline
▲ 0.50% · 4.625%
HK$29,687
+HK$1,703/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,968/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,295
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,081
−HK$797/mo
Today · 4.125%
HK$30,878
baseline
▲ 0.50% · 4.625%
HK$32,506
+HK$1,628/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,756/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,600
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,583
−HK$998/mo
Today · 4.125%
HK$33,581
baseline
▲ 0.50% · 4.625%
HK$35,625
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,162/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,154
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,097
−HK$957/mo
Today · 4.125%
HK$37,054
baseline
▲ 0.50% · 4.625%
HK$39,007
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,108/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,866
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,013
−HK$1,165/mo
Today · 4.125%
HK$39,178
baseline
▲ 0.50% · 4.625%
HK$41,562
+HK$2,384/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,356/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,014
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,114
−HK$1,115/mo
Today · 4.125%
HK$43,229
baseline
▲ 0.50% · 4.625%
HK$45,508
+HK$2,279/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,458/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,400
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,874
−HK$1,498/mo
Today · 4.125%
HK$50,372
baseline
▲ 0.50% · 4.625%
HK$53,437
+HK$3,065/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,744/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,732
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,146
−HK$1,435/mo
Today · 4.125%
HK$55,581
baseline
▲ 0.50% · 4.625%
HK$58,510
+HK$2,929/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,162/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,063 · Scale 2, in force from 26 Feb 2026)