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$26,153
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,966
−HK$827/mo
Today · 4.125%
HK$27,793
baseline
▲ 0.50% · 4.625%
HK$29,484
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,586/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,095
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,875
−HK$792/mo
Today · 4.125%
HK$30,667
baseline
▲ 0.50% · 4.625%
HK$32,283
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,334/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$430,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,383
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,360
−HK$991/mo
Today · 4.125%
HK$33,351
baseline
▲ 0.50% · 4.625%
HK$35,381
+HK$2,030/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,702/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,914
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,850
−HK$950/mo
Today · 4.125%
HK$36,800
baseline
▲ 0.50% · 4.625%
HK$38,740
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,600/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,614
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,753
−HK$1,157/mo
Today · 4.125%
HK$38,910
baseline
▲ 0.50% · 4.625%
HK$41,277
+HK$2,367/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,820/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,733
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,825
−HK$1,108/mo
Today · 4.125%
HK$42,933
baseline
▲ 0.50% · 4.625%
HK$45,196
+HK$2,263/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,866/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,075
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,539
−HK$1,488/mo
Today · 4.125%
HK$50,027
baseline
▲ 0.50% · 4.625%
HK$53,071
+HK$3,044/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,054/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,370
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,775
−HK$1,425/mo
Today · 4.125%
HK$55,200
baseline
▲ 0.50% · 4.625%
HK$58,110
+HK$2,910/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,400/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,097 · Scale 2, in force from 26 Feb 2026)