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$26,137
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,950
−HK$826/mo
Today · 4.125%
HK$27,776
baseline
▲ 0.50% · 4.625%
HK$29,467
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,552/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,078
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,857
−HK$792/mo
Today · 4.125%
HK$30,649
baseline
▲ 0.50% · 4.625%
HK$32,264
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,298/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,365
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,341
−HK$991/mo
Today · 4.125%
HK$33,332
baseline
▲ 0.50% · 4.625%
HK$35,360
+HK$2,028/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,664/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,893
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,829
−HK$949/mo
Today · 4.125%
HK$36,778
baseline
▲ 0.50% · 4.625%
HK$38,717
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,556/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,592
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,731
−HK$1,156/mo
Today · 4.125%
HK$38,887
baseline
▲ 0.50% · 4.625%
HK$41,253
+HK$2,366/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,774/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,709
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,800
−HK$1,108/mo
Today · 4.125%
HK$42,908
baseline
▲ 0.50% · 4.625%
HK$45,170
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,816/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,047
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,511
−HK$1,487/mo
Today · 4.125%
HK$49,998
baseline
▲ 0.50% · 4.625%
HK$53,040
+HK$3,042/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$99,996/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,340
−HK$2,828/mo
▼ 0.25% · 3.875%
HK$53,743
−HK$1,425/mo
Today · 4.125%
HK$55,168
baseline
▲ 0.50% · 4.625%
HK$58,075
+HK$2,907/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,336/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,844 · Scale 2, in force from 26 Feb 2026)