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$26,346
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,165
−HK$833/mo
Today · 4.125%
HK$27,998
baseline
▲ 0.50% · 4.625%
HK$29,701
+HK$1,703/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$55,996/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,309
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,095
−HK$798/mo
Today · 4.125%
HK$30,893
baseline
▲ 0.50% · 4.625%
HK$32,521
+HK$1,628/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,786/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,615
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,598
−HK$999/mo
Today · 4.125%
HK$33,597
baseline
▲ 0.50% · 4.625%
HK$35,642
+HK$2,045/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,194/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,171
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,114
−HK$957/mo
Today · 4.125%
HK$37,071
baseline
▲ 0.50% · 4.625%
HK$39,025
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,142/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,884
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,031
−HK$1,166/mo
Today · 4.125%
HK$39,197
baseline
▲ 0.50% · 4.625%
HK$41,582
+HK$2,385/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,394/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,033
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,134
−HK$1,116/mo
Today · 4.125%
HK$43,250
baseline
▲ 0.50% · 4.625%
HK$45,530
+HK$2,280/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,500/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,422
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,897
−HK$1,499/mo
Today · 4.125%
HK$50,396
baseline
▲ 0.50% · 4.625%
HK$53,463
+HK$3,067/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,792/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,757
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,172
−HK$1,435/mo
Today · 4.125%
HK$55,607
baseline
▲ 0.50% · 4.625%
HK$58,538
+HK$2,931/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,214/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,270 · Scale 2, in force from 26 Feb 2026)