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$26,271
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,088
−HK$830/mo
Today · 4.125%
HK$27,918
baseline
▲ 0.50% · 4.625%
HK$29,617
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,836/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,226
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,010
−HK$795/mo
Today · 4.125%
HK$30,805
baseline
▲ 0.50% · 4.625%
HK$32,429
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,610/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,525
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,506
−HK$996/mo
Today · 4.125%
HK$33,502
baseline
▲ 0.50% · 4.625%
HK$35,540
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,004/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,071
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,012
−HK$954/mo
Today · 4.125%
HK$36,966
baseline
▲ 0.50% · 4.625%
HK$38,915
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,932/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,779
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,923
−HK$1,162/mo
Today · 4.125%
HK$39,085
baseline
▲ 0.50% · 4.625%
HK$41,464
+HK$2,379/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,170/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,916
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,014
−HK$1,113/mo
Today · 4.125%
HK$43,127
baseline
▲ 0.50% · 4.625%
HK$45,400
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,254/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,287
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,758
−HK$1,495/mo
Today · 4.125%
HK$50,253
baseline
▲ 0.50% · 4.625%
HK$53,311
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,506/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,607
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,018
−HK$1,431/mo
Today · 4.125%
HK$55,449
baseline
▲ 0.50% · 4.625%
HK$58,372
+HK$2,923/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,898/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,037 · Scale 2, in force from 26 Feb 2026)