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$26,371
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,191
−HK$833/mo
Today · 4.125%
HK$28,024
baseline
▲ 0.50% · 4.625%
HK$29,730
+HK$1,706/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,048/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,337
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,124
−HK$798/mo
Today · 4.125%
HK$30,922
baseline
▲ 0.50% · 4.625%
HK$32,552
+HK$1,630/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,844/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$433,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,645
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,629
−HK$1,000/mo
Today · 4.125%
HK$33,629
baseline
▲ 0.50% · 4.625%
HK$35,675
+HK$2,046/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$67,258/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,204
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,149
−HK$957/mo
Today · 4.125%
HK$37,106
baseline
▲ 0.50% · 4.625%
HK$39,062
+HK$1,956/mo
Deposit HK$4.63M · loan HK$6.94M · min. income ≈ HK$74,212/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,919
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,067
−HK$1,167/mo
Today · 4.125%
HK$39,234
baseline
▲ 0.50% · 4.625%
HK$41,621
+HK$2,387/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$78,468/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,072
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,173
−HK$1,118/mo
Today · 4.125%
HK$43,291
baseline
▲ 0.50% · 4.625%
HK$45,573
+HK$2,282/mo
Deposit HK$3.47M · loan HK$8.10M · min. income ≈ HK$86,582/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,467
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,944
−HK$1,500/mo
Today · 4.125%
HK$50,444
baseline
▲ 0.50% · 4.625%
HK$53,513
+HK$3,069/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$100,888/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,807
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,223
−HK$1,437/mo
Today · 4.125%
HK$55,660
baseline
▲ 0.50% · 4.625%
HK$58,594
+HK$2,934/mo
Deposit HK$1.16M · loan HK$10.41M · min. income ≈ HK$111,320/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,679 · Scale 2, in force from 26 Feb 2026)