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$26,127
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,940
−HK$826/mo
Today · 4.125%
HK$27,766
baseline
▲ 0.50% · 4.625%
HK$29,455
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,532/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,066
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,846
−HK$791/mo
Today · 4.125%
HK$30,637
baseline
▲ 0.50% · 4.625%
HK$32,252
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,274/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,353
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,328
−HK$991/mo
Today · 4.125%
HK$33,319
baseline
▲ 0.50% · 4.625%
HK$35,346
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,638/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,880
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,815
−HK$949/mo
Today · 4.125%
HK$36,764
baseline
▲ 0.50% · 4.625%
HK$38,702
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,528/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,578
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,716
−HK$1,156/mo
Today · 4.125%
HK$38,872
baseline
▲ 0.50% · 4.625%
HK$41,237
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,744/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,693
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,784
−HK$1,108/mo
Today · 4.125%
HK$42,892
baseline
▲ 0.50% · 4.625%
HK$45,152
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,784/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,029
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$48,492
−HK$1,487/mo
Today · 4.125%
HK$49,979
baseline
▲ 0.50% · 4.625%
HK$53,020
+HK$3,041/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,958/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,320
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,723
−HK$1,423/mo
Today · 4.125%
HK$55,146
baseline
▲ 0.50% · 4.625%
HK$58,053
+HK$2,907/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,292/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,679 · Scale 2, in force from 26 Feb 2026)