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$26,175
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$26,989
−HK$828/mo
Today · 4.125%
HK$27,817
baseline
▲ 0.50% · 4.625%
HK$29,509
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,634/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,120
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,901
−HK$792/mo
Today · 4.125%
HK$30,693
baseline
▲ 0.50% · 4.625%
HK$32,311
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,386/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,410
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,387
−HK$993/mo
Today · 4.125%
HK$33,380
baseline
▲ 0.50% · 4.625%
HK$35,411
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,760/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,944
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,881
−HK$950/mo
Today · 4.125%
HK$36,831
baseline
▲ 0.50% · 4.625%
HK$38,773
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,662/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,645
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,785
−HK$1,158/mo
Today · 4.125%
HK$38,943
baseline
▲ 0.50% · 4.625%
HK$41,313
+HK$2,370/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,886/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,767
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,861
−HK$1,109/mo
Today · 4.125%
HK$42,970
baseline
▲ 0.50% · 4.625%
HK$45,235
+HK$2,265/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,940/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,115
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,581
−HK$1,489/mo
Today · 4.125%
HK$50,070
baseline
▲ 0.50% · 4.625%
HK$53,116
+HK$3,046/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,140/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,415
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,821
−HK$1,426/mo
Today · 4.125%
HK$55,247
baseline
▲ 0.50% · 4.625%
HK$58,159
+HK$2,912/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,494/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,464 · Scale 2, in force from 26 Feb 2026)