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$26,325
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,144
−HK$832/mo
Today · 4.125%
HK$27,976
baseline
▲ 0.50% · 4.625%
HK$29,679
+HK$1,703/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,952/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,287
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,072
−HK$797/mo
Today · 4.125%
HK$30,869
baseline
▲ 0.50% · 4.625%
HK$32,496
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,738/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,591
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,573
−HK$999/mo
Today · 4.125%
HK$33,572
baseline
▲ 0.50% · 4.625%
HK$35,614
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,144/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,144
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,087
−HK$956/mo
Today · 4.125%
HK$37,043
baseline
▲ 0.50% · 4.625%
HK$38,996
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,086/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,856
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,002
−HK$1,165/mo
Today · 4.125%
HK$39,167
baseline
▲ 0.50% · 4.625%
HK$41,550
+HK$2,383/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,334/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,002
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,101
−HK$1,116/mo
Today · 4.125%
HK$43,217
baseline
▲ 0.50% · 4.625%
HK$45,495
+HK$2,278/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,434/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,386
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,860
−HK$1,497/mo
Today · 4.125%
HK$50,357
baseline
▲ 0.50% · 4.625%
HK$53,422
+HK$3,065/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,714/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,716
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,130
−HK$1,434/mo
Today · 4.125%
HK$55,564
baseline
▲ 0.50% · 4.625%
HK$58,493
+HK$2,929/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,128/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,937 · Scale 2, in force from 26 Feb 2026)