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$26,311
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,130
−HK$831/mo
Today · 4.125%
HK$27,961
baseline
▲ 0.50% · 4.625%
HK$29,663
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,922/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,271
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,056
−HK$797/mo
Today · 4.125%
HK$30,853
baseline
▲ 0.50% · 4.625%
HK$32,479
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,706/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,574
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,556
−HK$998/mo
Today · 4.125%
HK$33,554
baseline
▲ 0.50% · 4.625%
HK$35,595
+HK$2,041/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$67,108/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,126
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,068
−HK$955/mo
Today · 4.125%
HK$37,023
baseline
▲ 0.50% · 4.625%
HK$38,975
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$74,046/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,836
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,982
−HK$1,164/mo
Today · 4.125%
HK$39,146
baseline
▲ 0.50% · 4.625%
HK$41,528
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,292/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,980
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,079
−HK$1,115/mo
Today · 4.125%
HK$43,194
baseline
▲ 0.50% · 4.625%
HK$45,471
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,388/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,361
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,834
−HK$1,497/mo
Today · 4.125%
HK$50,331
baseline
▲ 0.50% · 4.625%
HK$53,393
+HK$3,062/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,662/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,688
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,101
−HK$1,434/mo
Today · 4.125%
HK$55,535
baseline
▲ 0.50% · 4.625%
HK$58,462
+HK$2,927/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,070/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,707 · Scale 2, in force from 26 Feb 2026)