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$26,311
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,130
−HK$831/mo
Today · 4.125%
HK$27,961
baseline
▲ 0.50% · 4.625%
HK$29,662
+HK$1,701/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,922/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,271
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,056
−HK$796/mo
Today · 4.125%
HK$30,852
baseline
▲ 0.50% · 4.625%
HK$32,479
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,704/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,573
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,555
−HK$998/mo
Today · 4.125%
HK$33,553
baseline
▲ 0.50% · 4.625%
HK$35,595
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$67,106/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,125
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,067
−HK$956/mo
Today · 4.125%
HK$37,023
baseline
▲ 0.50% · 4.625%
HK$38,974
+HK$1,951/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$74,046/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,836
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,981
−HK$1,164/mo
Today · 4.125%
HK$39,145
baseline
▲ 0.50% · 4.625%
HK$41,527
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,290/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,979
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,078
−HK$1,115/mo
Today · 4.125%
HK$43,193
baseline
▲ 0.50% · 4.625%
HK$45,470
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,386/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,360
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,833
−HK$1,497/mo
Today · 4.125%
HK$50,330
baseline
▲ 0.50% · 4.625%
HK$53,392
+HK$3,062/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,660/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,688
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,101
−HK$1,433/mo
Today · 4.125%
HK$55,534
baseline
▲ 0.50% · 4.625%
HK$58,461
+HK$2,927/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,068/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,700 · Scale 2, in force from 26 Feb 2026)