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$26,308
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$831/mo
Today · 4.125%
HK$27,957
baseline
▲ 0.50% · 4.625%
HK$29,659
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,914/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,267
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,052
−HK$796/mo
Today · 4.125%
HK$30,848
baseline
▲ 0.50% · 4.625%
HK$32,474
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,696/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,569
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,551
−HK$998/mo
Today · 4.125%
HK$33,549
baseline
▲ 0.50% · 4.625%
HK$35,590
+HK$2,041/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,098/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,120
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,062
−HK$956/mo
Today · 4.125%
HK$37,018
baseline
▲ 0.50% · 4.625%
HK$38,969
+HK$1,951/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$74,036/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,831
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,976
−HK$1,164/mo
Today · 4.125%
HK$39,140
baseline
▲ 0.50% · 4.625%
HK$41,522
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,280/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,974
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,073
−HK$1,115/mo
Today · 4.125%
HK$43,188
baseline
▲ 0.50% · 4.625%
HK$45,464
+HK$2,276/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,376/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,354
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,827
−HK$1,496/mo
Today · 4.125%
HK$50,323
baseline
▲ 0.50% · 4.625%
HK$53,385
+HK$3,062/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,646/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,681
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,094
−HK$1,433/mo
Today · 4.125%
HK$55,527
baseline
▲ 0.50% · 4.625%
HK$58,454
+HK$2,927/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,054/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,644 · Scale 2, in force from 26 Feb 2026)