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$26,117
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$26,929
−HK$825/mo
Today · 4.125%
HK$27,754
baseline
▲ 0.50% · 4.625%
HK$29,443
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,508/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,054
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,834
−HK$790/mo
Today · 4.125%
HK$30,624
baseline
▲ 0.50% · 4.625%
HK$32,238
+HK$1,614/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,248/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,340
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,315
−HK$990/mo
Today · 4.125%
HK$33,305
baseline
▲ 0.50% · 4.625%
HK$35,332
+HK$2,027/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$66,610/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,865
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,800
−HK$949/mo
Today · 4.125%
HK$36,749
baseline
▲ 0.50% · 4.625%
HK$38,686
+HK$1,937/mo
Deposit HK$4.58M · loan HK$6.87M · min. income ≈ HK$73,498/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,563
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,701
−HK$1,155/mo
Today · 4.125%
HK$38,856
baseline
▲ 0.50% · 4.625%
HK$41,220
+HK$2,364/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,712/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,676
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,767
−HK$1,107/mo
Today · 4.125%
HK$42,874
baseline
▲ 0.50% · 4.625%
HK$45,134
+HK$2,260/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,748/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,010
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,472
−HK$1,486/mo
Today · 4.125%
HK$49,958
baseline
▲ 0.50% · 4.625%
HK$52,998
+HK$3,040/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,916/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,298
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,701
−HK$1,423/mo
Today · 4.125%
HK$55,124
baseline
▲ 0.50% · 4.625%
HK$58,029
+HK$2,905/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,248/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,502 · Scale 2, in force from 26 Feb 2026)