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$26,294
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,112
−HK$830/mo
Today · 4.125%
HK$27,942
baseline
▲ 0.50% · 4.625%
HK$29,643
+HK$1,701/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,884/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,251
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,036
−HK$796/mo
Today · 4.125%
HK$30,832
baseline
▲ 0.50% · 4.625%
HK$32,457
+HK$1,625/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,664/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,552
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,534
−HK$997/mo
Today · 4.125%
HK$33,531
baseline
▲ 0.50% · 4.625%
HK$35,571
+HK$2,040/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,062/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,102
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,043
−HK$955/mo
Today · 4.125%
HK$36,998
baseline
▲ 0.50% · 4.625%
HK$38,948
+HK$1,950/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,996/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,811
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,956
−HK$1,163/mo
Today · 4.125%
HK$39,119
baseline
▲ 0.50% · 4.625%
HK$41,500
+HK$2,381/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,238/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,952
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,050
−HK$1,114/mo
Today · 4.125%
HK$43,164
baseline
▲ 0.50% · 4.625%
HK$45,440
+HK$2,276/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,328/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,329
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,801
−HK$1,495/mo
Today · 4.125%
HK$50,296
baseline
▲ 0.50% · 4.625%
HK$53,357
+HK$3,061/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,592/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,653
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,065
−HK$1,432/mo
Today · 4.125%
HK$55,497
baseline
▲ 0.50% · 4.625%
HK$58,422
+HK$2,925/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$110,994/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,413 · Scale 2, in force from 26 Feb 2026)