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$26,304
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,122
−HK$831/mo
Today · 4.125%
HK$27,953
baseline
▲ 0.50% · 4.625%
HK$29,654
+HK$1,701/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,906/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,263
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,047
−HK$796/mo
Today · 4.125%
HK$30,843
baseline
▲ 0.50% · 4.625%
HK$32,469
+HK$1,626/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,686/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,564
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,546
−HK$998/mo
Today · 4.125%
HK$33,544
baseline
▲ 0.50% · 4.625%
HK$35,585
+HK$2,041/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,088/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,115
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,057
−HK$955/mo
Today · 4.125%
HK$37,012
baseline
▲ 0.50% · 4.625%
HK$38,963
+HK$1,951/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$74,024/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,825
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,971
−HK$1,163/mo
Today · 4.125%
HK$39,134
baseline
▲ 0.50% · 4.625%
HK$41,516
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,268/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,968
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,066
−HK$1,115/mo
Today · 4.125%
HK$43,181
baseline
▲ 0.50% · 4.625%
HK$45,457
+HK$2,276/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,362/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,347
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,819
−HK$1,497/mo
Today · 4.125%
HK$50,316
baseline
▲ 0.50% · 4.625%
HK$53,377
+HK$3,061/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,632/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,673
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,085
−HK$1,433/mo
Today · 4.125%
HK$55,518
baseline
▲ 0.50% · 4.625%
HK$58,445
+HK$2,927/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$111,036/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,577 · Scale 2, in force from 26 Feb 2026)