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$26,340
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,159
−HK$833/mo
Today · 4.125%
HK$27,992
baseline
▲ 0.50% · 4.625%
HK$29,695
+HK$1,703/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$55,984/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,303
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,089
−HK$797/mo
Today · 4.125%
HK$30,886
baseline
▲ 0.50% · 4.625%
HK$32,514
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,772/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,608
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,591
−HK$999/mo
Today · 4.125%
HK$33,590
baseline
▲ 0.50% · 4.625%
HK$35,634
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,180/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,164
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,107
−HK$956/mo
Today · 4.125%
HK$37,063
baseline
▲ 0.50% · 4.625%
HK$39,017
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,126/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,876
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,023
−HK$1,166/mo
Today · 4.125%
HK$39,189
baseline
▲ 0.50% · 4.625%
HK$41,573
+HK$2,384/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,378/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,024
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,125
−HK$1,116/mo
Today · 4.125%
HK$43,241
baseline
▲ 0.50% · 4.625%
HK$45,520
+HK$2,279/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,482/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,412
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,887
−HK$1,498/mo
Today · 4.125%
HK$50,385
baseline
▲ 0.50% · 4.625%
HK$53,451
+HK$3,066/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,770/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,745
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,160
−HK$1,435/mo
Today · 4.125%
HK$55,595
baseline
▲ 0.50% · 4.625%
HK$58,526
+HK$2,931/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,190/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,176 · Scale 2, in force from 26 Feb 2026)