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$26,330
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,149
−HK$833/mo
Today · 4.125%
HK$27,982
baseline
▲ 0.50% · 4.625%
HK$29,684
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,964/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,292
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,078
−HK$797/mo
Today · 4.125%
HK$30,875
baseline
▲ 0.50% · 4.625%
HK$32,502
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,750/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,597
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,579
−HK$999/mo
Today · 4.125%
HK$33,578
baseline
▲ 0.50% · 4.625%
HK$35,621
+HK$2,043/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,156/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,151
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,094
−HK$956/mo
Today · 4.125%
HK$37,050
baseline
▲ 0.50% · 4.625%
HK$39,003
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,100/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,863
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,009
−HK$1,165/mo
Today · 4.125%
HK$39,174
baseline
▲ 0.50% · 4.625%
HK$41,558
+HK$2,384/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,348/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,009
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,109
−HK$1,116/mo
Today · 4.125%
HK$43,225
baseline
▲ 0.50% · 4.625%
HK$45,503
+HK$2,278/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,450/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,395
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,869
−HK$1,498/mo
Today · 4.125%
HK$50,367
baseline
▲ 0.50% · 4.625%
HK$53,432
+HK$3,065/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,734/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,726
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,140
−HK$1,435/mo
Today · 4.125%
HK$55,575
baseline
▲ 0.50% · 4.625%
HK$58,504
+HK$2,929/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,150/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,018 · Scale 2, in force from 26 Feb 2026)