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$26,149
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,962
−HK$827/mo
Today · 4.125%
HK$27,789
baseline
▲ 0.50% · 4.625%
HK$29,480
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,578/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,091
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,871
−HK$791/mo
Today · 4.125%
HK$30,662
baseline
▲ 0.50% · 4.625%
HK$32,278
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,324/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,379
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,355
−HK$992/mo
Today · 4.125%
HK$33,347
baseline
▲ 0.50% · 4.625%
HK$35,376
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,694/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,909
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,845
−HK$950/mo
Today · 4.125%
HK$36,795
baseline
▲ 0.50% · 4.625%
HK$38,734
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,590/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,609
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,747
−HK$1,157/mo
Today · 4.125%
HK$38,904
baseline
▲ 0.50% · 4.625%
HK$41,272
+HK$2,368/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,808/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,727
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,819
−HK$1,108/mo
Today · 4.125%
HK$42,927
baseline
▲ 0.50% · 4.625%
HK$45,190
+HK$2,263/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,854/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,068
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,532
−HK$1,488/mo
Today · 4.125%
HK$50,020
baseline
▲ 0.50% · 4.625%
HK$53,063
+HK$3,043/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,040/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,363
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,767
−HK$1,425/mo
Today · 4.125%
HK$55,192
baseline
▲ 0.50% · 4.625%
HK$58,101
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,384/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,034 · Scale 2, in force from 26 Feb 2026)