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$26,182
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,996
−HK$827/mo
Today · 4.125%
HK$27,823
baseline
▲ 0.50% · 4.625%
HK$29,516
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,646/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,127
−HK$1,573/mo
▼ 0.25% · 3.875%
HK$29,908
−HK$792/mo
Today · 4.125%
HK$30,700
baseline
▲ 0.50% · 4.625%
HK$32,319
+HK$1,619/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,400/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,418
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,395
−HK$993/mo
Today · 4.125%
HK$33,388
baseline
▲ 0.50% · 4.625%
HK$35,420
+HK$2,032/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,776/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,952
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,889
−HK$951/mo
Today · 4.125%
HK$36,840
baseline
▲ 0.50% · 4.625%
HK$38,782
+HK$1,942/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,680/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,654
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,794
−HK$1,159/mo
Today · 4.125%
HK$38,953
baseline
▲ 0.50% · 4.625%
HK$41,323
+HK$2,370/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,906/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,777
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,871
−HK$1,109/mo
Today · 4.125%
HK$42,980
baseline
▲ 0.50% · 4.625%
HK$45,246
+HK$2,266/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,960/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,127
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,593
−HK$1,489/mo
Today · 4.125%
HK$50,082
baseline
▲ 0.50% · 4.625%
HK$53,129
+HK$3,047/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,164/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,428
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,834
−HK$1,427/mo
Today · 4.125%
HK$55,261
baseline
▲ 0.50% · 4.625%
HK$58,173
+HK$2,912/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,522/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,569 · Scale 2, in force from 26 Feb 2026)