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$26,280
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,097
−HK$830/mo
Today · 4.125%
HK$27,927
baseline
▲ 0.50% · 4.625%
HK$29,627
+HK$1,700/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,854/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,236
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,020
−HK$795/mo
Today · 4.125%
HK$30,815
baseline
▲ 0.50% · 4.625%
HK$32,440
+HK$1,625/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,630/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,535
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,516
−HK$997/mo
Today · 4.125%
HK$33,513
baseline
▲ 0.50% · 4.625%
HK$35,552
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,026/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,083
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,024
−HK$954/mo
Today · 4.125%
HK$36,978
baseline
▲ 0.50% · 4.625%
HK$38,927
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,956/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,791
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,936
−HK$1,162/mo
Today · 4.125%
HK$39,098
baseline
▲ 0.50% · 4.625%
HK$41,478
+HK$2,380/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,196/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,930
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,028
−HK$1,113/mo
Today · 4.125%
HK$43,141
baseline
▲ 0.50% · 4.625%
HK$45,415
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,282/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,303
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,775
−HK$1,494/mo
Today · 4.125%
HK$50,269
baseline
▲ 0.50% · 4.625%
HK$53,328
+HK$3,059/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,538/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,624
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,036
−HK$1,431/mo
Today · 4.125%
HK$55,467
baseline
▲ 0.50% · 4.625%
HK$58,391
+HK$2,924/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,934/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,181 · Scale 2, in force from 26 Feb 2026)