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$26,155
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$26,968
−HK$827/mo
Today · 4.125%
HK$27,795
baseline
▲ 0.50% · 4.625%
HK$29,486
+HK$1,691/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,590/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,097
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,877
−HK$792/mo
Today · 4.125%
HK$30,669
baseline
▲ 0.50% · 4.625%
HK$32,285
+HK$1,616/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,338/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,385
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,362
−HK$992/mo
Today · 4.125%
HK$33,354
baseline
▲ 0.50% · 4.625%
HK$35,383
+HK$2,029/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,708/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,916
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,852
−HK$950/mo
Today · 4.125%
HK$36,802
baseline
▲ 0.50% · 4.625%
HK$38,742
+HK$1,940/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,604/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,616
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,755
−HK$1,157/mo
Today · 4.125%
HK$38,912
baseline
▲ 0.50% · 4.625%
HK$41,280
+HK$2,368/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,824/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,735
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,828
−HK$1,108/mo
Today · 4.125%
HK$42,936
baseline
▲ 0.50% · 4.625%
HK$45,199
+HK$2,263/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,872/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,078
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$48,543
−HK$1,487/mo
Today · 4.125%
HK$50,030
baseline
▲ 0.50% · 4.625%
HK$53,075
+HK$3,045/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$100,060/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,374
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,779
−HK$1,425/mo
Today · 4.125%
HK$55,204
baseline
▲ 0.50% · 4.625%
HK$58,113
+HK$2,909/mo
Deposit HK$1.15M · loan HK$10.32M · min. income ≈ HK$110,408/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,125 · Scale 2, in force from 26 Feb 2026)