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$26,379
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,199
−HK$834/mo
Today · 4.125%
HK$28,033
baseline
▲ 0.50% · 4.625%
HK$29,739
+HK$1,706/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,066/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,346
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,133
−HK$799/mo
Today · 4.125%
HK$30,932
baseline
▲ 0.50% · 4.625%
HK$32,562
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,864/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,655
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,639
−HK$1,001/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,687
+HK$2,047/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,216
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,160
−HK$958/mo
Today · 4.125%
HK$37,118
baseline
▲ 0.50% · 4.625%
HK$39,075
+HK$1,957/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,236/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,931
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,079
−HK$1,167/mo
Today · 4.125%
HK$39,246
baseline
▲ 0.50% · 4.625%
HK$41,634
+HK$2,388/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,492/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,085
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$42,187
−HK$1,118/mo
Today · 4.125%
HK$43,305
baseline
▲ 0.50% · 4.625%
HK$45,587
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,610/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,482
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,959
−HK$1,501/mo
Today · 4.125%
HK$50,460
baseline
▲ 0.50% · 4.625%
HK$53,530
+HK$3,070/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,920/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,823
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,240
−HK$1,437/mo
Today · 4.125%
HK$55,677
baseline
▲ 0.50% · 4.625%
HK$58,612
+HK$2,935/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,354/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,816 · Scale 2, in force from 26 Feb 2026)