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$26,289
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,106
−HK$831/mo
Today · 4.125%
HK$27,937
baseline
▲ 0.50% · 4.625%
HK$29,637
+HK$1,700/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,874/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,246
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,030
−HK$796/mo
Today · 4.125%
HK$30,826
baseline
▲ 0.50% · 4.625%
HK$32,451
+HK$1,625/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,652/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,546
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,528
−HK$997/mo
Today · 4.125%
HK$33,525
baseline
▲ 0.50% · 4.625%
HK$35,565
+HK$2,040/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,050/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,095
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,036
−HK$955/mo
Today · 4.125%
HK$36,991
baseline
▲ 0.50% · 4.625%
HK$38,941
+HK$1,950/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,982/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,804
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,949
−HK$1,163/mo
Today · 4.125%
HK$39,112
baseline
▲ 0.50% · 4.625%
HK$41,492
+HK$2,380/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,224/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,944
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,042
−HK$1,114/mo
Today · 4.125%
HK$43,156
baseline
▲ 0.50% · 4.625%
HK$45,431
+HK$2,275/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,312/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,320
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,792
−HK$1,495/mo
Today · 4.125%
HK$50,287
baseline
▲ 0.50% · 4.625%
HK$53,347
+HK$3,060/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$100,574/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,643
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,054
−HK$1,433/mo
Today · 4.125%
HK$55,487
baseline
▲ 0.50% · 4.625%
HK$58,412
+HK$2,925/mo
Deposit HK$1.15M · loan HK$10.38M · min. income ≈ HK$110,974/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,332 · Scale 2, in force from 26 Feb 2026)