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$26,327
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,146
−HK$832/mo
Today · 4.125%
HK$27,978
baseline
▲ 0.50% · 4.625%
HK$29,680
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,956/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,289
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,074
−HK$797/mo
Today · 4.125%
HK$30,871
baseline
▲ 0.50% · 4.625%
HK$32,498
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,742/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,593
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,575
−HK$999/mo
Today · 4.125%
HK$33,574
baseline
▲ 0.50% · 4.625%
HK$35,617
+HK$2,043/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,148/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,146
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,089
−HK$956/mo
Today · 4.125%
HK$37,045
baseline
▲ 0.50% · 4.625%
HK$38,998
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,090/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,858
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,004
−HK$1,165/mo
Today · 4.125%
HK$39,169
baseline
▲ 0.50% · 4.625%
HK$41,553
+HK$2,384/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,338/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,004
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,104
−HK$1,115/mo
Today · 4.125%
HK$43,219
baseline
▲ 0.50% · 4.625%
HK$45,498
+HK$2,279/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,438/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,389
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,863
−HK$1,498/mo
Today · 4.125%
HK$50,361
baseline
▲ 0.50% · 4.625%
HK$53,425
+HK$3,064/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,722/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,720
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,133
−HK$1,435/mo
Today · 4.125%
HK$55,568
baseline
▲ 0.50% · 4.625%
HK$58,497
+HK$2,929/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,136/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,964 · Scale 2, in force from 26 Feb 2026)