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$26,338
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,157
−HK$832/mo
Today · 4.125%
HK$27,989
baseline
▲ 0.50% · 4.625%
HK$29,692
+HK$1,703/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$55,978/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,300
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,086
−HK$797/mo
Today · 4.125%
HK$30,883
baseline
▲ 0.50% · 4.625%
HK$32,511
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,766/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,605
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,588
−HK$999/mo
Today · 4.125%
HK$33,587
baseline
▲ 0.50% · 4.625%
HK$35,631
+HK$2,044/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,174/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,160
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,103
−HK$957/mo
Today · 4.125%
HK$37,060
baseline
▲ 0.50% · 4.625%
HK$39,013
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,120/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,873
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,019
−HK$1,166/mo
Today · 4.125%
HK$39,185
baseline
▲ 0.50% · 4.625%
HK$41,569
+HK$2,384/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,370/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,020
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,120
−HK$1,116/mo
Today · 4.125%
HK$43,236
baseline
▲ 0.50% · 4.625%
HK$45,516
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,472/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,408
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,882
−HK$1,498/mo
Today · 4.125%
HK$50,380
baseline
▲ 0.50% · 4.625%
HK$53,446
+HK$3,066/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,760/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,740
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,155
−HK$1,435/mo
Today · 4.125%
HK$55,590
baseline
▲ 0.50% · 4.625%
HK$58,520
+HK$2,930/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,180/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,134 · Scale 2, in force from 26 Feb 2026)