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$26,267
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,084
−HK$830/mo
Today · 4.125%
HK$27,914
baseline
▲ 0.50% · 4.625%
HK$29,612
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,828/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,221
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,005
−HK$795/mo
Today · 4.125%
HK$30,800
baseline
▲ 0.50% · 4.625%
HK$32,424
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,600/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,520
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,500
−HK$997/mo
Today · 4.125%
HK$33,497
baseline
▲ 0.50% · 4.625%
HK$35,535
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,994/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,066
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,006
−HK$954/mo
Today · 4.125%
HK$36,960
baseline
▲ 0.50% · 4.625%
HK$38,908
+HK$1,948/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,920/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,773
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,917
−HK$1,162/mo
Today · 4.125%
HK$39,079
baseline
▲ 0.50% · 4.625%
HK$41,457
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,158/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,910
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,007
−HK$1,113/mo
Today · 4.125%
HK$43,120
baseline
▲ 0.50% · 4.625%
HK$45,393
+HK$2,273/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,240/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,280
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,751
−HK$1,494/mo
Today · 4.125%
HK$50,245
baseline
▲ 0.50% · 4.625%
HK$53,302
+HK$3,057/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,490/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,598
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,009
−HK$1,431/mo
Today · 4.125%
HK$55,440
baseline
▲ 0.50% · 4.625%
HK$58,362
+HK$2,922/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,880/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,969 · Scale 2, in force from 26 Feb 2026)