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$26,260
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,077
−HK$829/mo
Today · 4.125%
HK$27,906
baseline
▲ 0.50% · 4.625%
HK$29,605
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,812/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,214
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,997
−HK$795/mo
Today · 4.125%
HK$30,792
baseline
▲ 0.50% · 4.625%
HK$32,415
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,584/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,512
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,492
−HK$996/mo
Today · 4.125%
HK$33,488
baseline
▲ 0.50% · 4.625%
HK$35,525
+HK$2,037/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,976/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,056
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,997
−HK$953/mo
Today · 4.125%
HK$36,950
baseline
▲ 0.50% · 4.625%
HK$38,898
+HK$1,948/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,900/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,764
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,907
−HK$1,162/mo
Today · 4.125%
HK$39,069
baseline
▲ 0.50% · 4.625%
HK$41,446
+HK$2,377/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,138/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,899
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,996
−HK$1,113/mo
Today · 4.125%
HK$43,109
baseline
▲ 0.50% · 4.625%
HK$45,381
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,218/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,268
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,738
−HK$1,494/mo
Today · 4.125%
HK$50,232
baseline
▲ 0.50% · 4.625%
HK$53,288
+HK$3,056/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,464/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,585
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,995
−HK$1,431/mo
Today · 4.125%
HK$55,426
baseline
▲ 0.50% · 4.625%
HK$58,347
+HK$2,921/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,852/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,856 · Scale 2, in force from 26 Feb 2026)