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$26,142
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,955
−HK$827/mo
Today · 4.125%
HK$27,782
baseline
▲ 0.50% · 4.625%
HK$29,472
+HK$1,690/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,564/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,083
−HK$1,571/mo
▼ 0.25% · 3.875%
HK$29,863
−HK$791/mo
Today · 4.125%
HK$30,654
baseline
▲ 0.50% · 4.625%
HK$32,270
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,308/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,371
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,347
−HK$991/mo
Today · 4.125%
HK$33,338
baseline
▲ 0.50% · 4.625%
HK$35,367
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,676/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,900
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,836
−HK$949/mo
Today · 4.125%
HK$36,785
baseline
▲ 0.50% · 4.625%
HK$38,724
+HK$1,939/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,570/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$429,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,599
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,738
−HK$1,156/mo
Today · 4.125%
HK$38,894
baseline
▲ 0.50% · 4.625%
HK$41,261
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,788/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,716
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,808
−HK$1,108/mo
Today · 4.125%
HK$42,916
baseline
▲ 0.50% · 4.625%
HK$45,178
+HK$2,262/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,832/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,056
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$48,520
−HK$1,487/mo
Today · 4.125%
HK$50,007
baseline
▲ 0.50% · 4.625%
HK$53,050
+HK$3,043/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,014/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,349
−HK$2,829/mo
▼ 0.25% · 3.875%
HK$53,753
−HK$1,425/mo
Today · 4.125%
HK$55,178
baseline
▲ 0.50% · 4.625%
HK$58,086
+HK$2,908/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,356/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,924 · Scale 2, in force from 26 Feb 2026)